ESSA Bancorp Inc
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Penke I guess you are interested in ESSA Bancorp Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of ESSA Bancorp Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of ESSA Bancorp Inc (30 sec.)

What can you expect buying and holding a share of ESSA Bancorp Inc? (30 sec.)

How much money do you get?

$0.58

When do you have the money?

1 year

How often do you get paid?

100.0%

What is your share worth?

Current worth

$21.79

Expected worth in 1 year

$22.23

How sure are you?

80.0%

+ What do you gain per year?

Total Gains per Share

$1.03

Return On Investment

6.2%

For what price can you sell your share?

Current Price per Share

$16.67

Expected price per share

$14.07 - $19.67

How sure are you?

50%

1. Valuation of ESSA Bancorp Inc (5 min.)

Live pricePrice per Share (EOD)

$16.67

Book Value per Share

$21.79

Intrinsic Value Per Share

$18.48 - $32.21

Total Value Per Share

$40.27 - $53.99

My calculation of the intrinsic value of ESSA Bancorp Inc is based how much money is coming from the company's main activities (Free Cash Flow).

The following numbers are based on moving averages and per share and per quarter.
I use a 6% discount rate for the low estimation and 3% for the high estimation.
The current Free Cash Flow Per Share is 10Y: ($0.46) 3Y: ($0.53) TTM: ($0.58)
The change per quarter (trend) of the Free Cash Flow Per Share is 10Y: ($0.01) 3Y: ($0.02) TTM: ($0.09)

Years	Total Low est.	Total High est.	Added Free Cash Flow
1	$1.85	$2.27	$1.97 - $2.44
2	$3.72	$4.79	$2.10 - $2.77
3	$5.60	$7.55	$2.24 - $3.11
4	$7.48	$10.53	$2.37 - $3.44
5	$9.35	$13.71	$2.50 - $3.77
6	$11.21	$17.08	$2.64 - $4.11
7	$13.06	$20.63	$2.77 - $4.44
8	$14.89	$24.34	$2.90 - $4.78
9	$16.70	$28.20	$3.04 - $5.11
10	$18.48	$32.21	$3.17 - $5.44

2. Growth of ESSA Bancorp Inc (5 min.)

Is ESSA Bancorp Inc growing?

	Current year	Previous year	Grow	Grow %
How rich?	$220.7m	$213.6m	$821.9m	79.4%

How much money is ESSA Bancorp Inc making?

	Current year	Previous year	Grow	Grow %
Making money	$4.5m	$5m	-$569k	-12.6%
Net Profit Margin	23.8%	29.0%	-	-

How much money comes from the company's main activities?

Quarterly Yearly

3. Financial Health of ESSA Bancorp Inc (5 min.)

4. Comparing to competitors in the Banks - Regional industry (5 min.)

Industry Rankings (Banks - Regional)

What can you expect buying and holding a share of ESSA Bancorp Inc? (5 min.)

Welcome investor! ESSA Bancorp Inc's management wants to use your money to grow the business. In return you get a share of ESSA Bancorp Inc.

What can you expect buying and holding a share of ESSA Bancorp Inc?

First you should know what it really means to hold a share of ESSA Bancorp Inc. And how you can make/lose money.

Speculation

The Price per Share of ESSA Bancorp Inc is $16.67. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

The fundamentals: the financial health trends of ESSA Bancorp Inc.
The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in ESSA Bancorp Inc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $21.79. Based on the TTM, the Book Value Change Per Share is $0.11 per quarter. Based on the YOY, the Book Value Change Per Share is $0.21 per quarter.
You may receive quarterly/yearly dividend in the form of additional shares.
You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.14 per quarter.

Based on historical numbers we can estimate the returns while holding a share of ESSA Bancorp Inc.

How much money are you going to get?

	MRQ		TTM		YOY		5Y		10Y
	$	% of Price per Share	$	% of Price per Share	$	% of Price per Share	$	% of Price per Share	$	% of Price per Share
Usd Eps	0.43	2.6%	0.45	2.7%	0.50	3.0%	0.41	2.4%	0.30	1.8%
Usd Book Value Change Per Share	-167.58	-1,005.6%	0.11	0.7%	0.21	1.3%	0.25	1.5%	0.16	1.0%
Usd Dividend Per Share	0.15	0.9%	0.14	0.9%	0.14	0.8%	0.12	0.7%	0.10	0.6%
Usd Total Gains Per Share	-167.44	-1,004.7%	0.26	1.5%	0.35	2.1%	0.37	2.2%	0.27	1.6%
Usd Price Per Share	20.02	-	16.43	-	18.75	-	16.29	-	15.07	-
Price to Earnings Ratio	11.69	-	9.25	-	9.41	-	10.22	-	12.58	-
Price-to-Total Gains Ratio	-0.12	-	10.02	-	131.27	-	61.28	-	-13.77	-
Price to Book Ratio	0.92	-	0.45	-	0.89	-	0.76	-	0.80	-
Price-to-Total Gains Ratio	-0.12	-	10.02	-	131.27	-	61.28	-	-13.77	-

When do you get the money?

Usd Investment	$.00
Usd Price Per Share	16.665
Number of shares	60

Gains per Quarter	Trailing 12 Months	5 Year
Usd Dividend Per Share	0.14	0.12
Usd Book Value Change Per Share	0.11	0.25
Usd Total Gains Per Share	0.26	0.37
Gains per Quarter (60 shares)	15.42	22.08
Gains per Year (60 shares)	61.70	88.32

Years	Return on Investment (TTM)			Return on Investment (5Y)
	Dividend	Book Value gain	Total gains	Dividend	Book Value gain	Total gains
Broker costs	-	-	-10	-	-	-10
1	35	27	52	29	59	78
2	70	54	114	59	118	166
3	104	81	176	88	177	254
4	139	108	238	117	236	342
5	174	135	300	147	295	430
6	209	162	362	176	354	518
7	243	188	424	206	413	606
8	278	215	486	235	472	694
9	313	242	548	264	531	782
10	348	269	610	294	590	870

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %

	Trailing 12 Months				3Y				5 Year				10 Year				ALLTIME
				%				%				%				%				%
Earnings Per Share	4.0	0.0	0.0	100.0%	12.0	0.0	0.0	100.0%	20.0	0.0	0.0	100.0%	39.0	1.0	0.0	97.5%	71.0	3.0	0.0	95.9%
Book Value Change Per Share	3.0	1.0	0.0	75.0%	10.0	2.0	0.0	83.3%	17.0	3.0	0.0	85.0%	28.0	12.0	0.0	70.0%	49.0	22.0	3.0	66.2%
Dividend per Share	4.0	0.0	0.0	100.0%	12.0	0.0	0.0	100.0%	20.0	0.0	0.0	100.0%	40.0	0.0	0.0	100.0%	64.0	0.0	10.0	86.5%
Total Gains per Share	3.0	1.0	0.0	75.0%	11.0	1.0	0.0	91.7%	19.0	1.0	0.0	95.0%	32.0	8.0	0.0	80.0%	55.0	16.0	3.0	74.3%

Fundamentals of ESSA Bancorp Inc

About ESSA Bancorp Inc

https://www.essabank.com
Banks - Regional
232
200 Palmer Street, Stroudsburg, PA, United States, 18360-0160
Google Maps Bing Maps

ESSA Bancorp, Inc. operates as a bank holding company for ESSA Bank & Trust that provides a range of financial services to individuals, families, and businesses in Pennsylvania. The company accepts savings accounts, interest bearing demand accounts, checking accounts, money market accounts, club accounts, certificates of deposit and IRAs, and other qualified plan accounts, as well as commercial checking accounts. It also provides first mortgage loans for the purchase, construction, or refinancing of one- to four-family residential real estate property; commercial real estate loans; home equity loans and lines of credit; auto loans; and commercial and other consumer loans, as well as loans secured by deposits and personal unsecured loans. In addition, the company offers insurance benefits consulting services, such as health insurance, life insurance, short term and long term disability, dental, vision, 401(K) retirement planning, and individual health products, as well as asset management and trust, and investment services. It operates community offices in Monroe County, Lehigh County, Northampton County, Lackawanna County, Luzerne County, Chester County, Delaware County, and Montgomery County. ESSA Bancorp, Inc. was founded in 1916 and is headquartered in Stroudsburg, Pennsylvania.

Fundamental data was last updated by Penke on 2024-04-11 07:08:05.

Financial Health

Profitability Details

	Compared to previous year	Compared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.

Operating Efficiency Details

	Compared to previous year	Compared to industry
The company is operating very efficient.

Liquidity Details

	Compared to previous year	Compared to industry
The company is unable to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.

Solvency Details

	Compared to previous year	Compared to industry
The company is able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details

	Compared to previous year	Compared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of ESSA Bancorp Inc.

1.1. Profitability

1.1.1. Net Profit Margin

Measures how much net profit ESSA Bancorp Inc earns for each $1 of revenue.

Above 10% is considered healthy but always compare ESSA Bancorp Inc to the Banks - Regional industry mean.
A Net Profit Margin of 15.5% means that $0.16 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of ESSA Bancorp Inc:

The MRQ is 15.5%. The company is making a huge profit. +2
The TTM is 23.8%. The company is making a huge profit. +2

Trends

Current period		Compared to		+/-
MRQ	15.5%	TTM	23.8%	-8.2%
TTM	23.8%	YOY	29.0%	-5.3%
TTM	23.8%	5Y	25.3%	-1.6%
5Y	25.3%	10Y	20.3%	+5.0%

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	15.5%	18.4%	-2.9%
TTM	23.8%	28.0%	-4.2%
YOY	29.0%	25.2%	+3.8%
5Y	25.3%	22.8%	+2.5%
10Y	20.3%	19.8%	+0.5%

Measures how much net profit ESSA Bancorp Inc earns for each $1 of revenue.

Revenue is the amount of profit ESSA Bancorp Inc generates before taxes and all other costs. For example, when you buy a cup of coffee it will cost you $3. The company does not earn $3 in profit but also has to pay various costs and taxes to create that cup of coffee. Let's assume the cost of creating a cup of coffee is $1.5.

The $3 you pay for a cup of coffee is called revenue.
The $1.5 that’s left over when all costs to create that cup of coffee (including taxes) are deduced from the revenue is called net profit.

The net profit margin looks at how much net profit ESSA Bancorp Inc earns for each $1 in revenue.

How to use net profit margin

Higher profit margin is better (more profit).
Above 10% is considered healthy but always compare ESSA Bancorp Inc to the Banks - Regional industry mean.
Can be used to compare companies within the Banks - Regional industry.

You typically want a high profit margin. This means that for each $1 in sales, ESSA Bancorp Inc makes more profit. This shows the investor how efficiently ESSA Bancorp Inc is operating in general and compared to other companies in the same industry. ESSA Bancorp Inc operates in the Banks - Regional industry.

Why do investors use net profit margin in their analysis

It helps investors to determine the efficiency of ESSA Bancorp Inc. If profit margins remain low (compared to the Banks - Regional industry mean) and there are no improvements to make in production costs or other areas that might be a warning sign. If profit margins are high that means the company has low overhead costs and is efficiently using its resources to generate profit.

The three steps every investor should look at:

What is the current net profit margin?
The current most recent quarter (MRQ) Net Profit Margin of ESSA Bancorp Inc is 0.16. This means that ESSA Bancorp Inc earned $0.16 for each $1 in revenue in the most recent quarter.
How does it compare to the industry?
The mean MRQ Net Profit Margin of the Banks - Regional industry is 18.4%.
What is the trend?
The trend is important because it shows you how ESSA Bancorp Inc is performing over time. The most recent quarter might be important if ESSA Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for ESSA Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare ESSA Bancorp Inc with other companies in the same industry (Banks - Regional).
Net profit margin should rise over the years.
Can be influenced when ESSA Bancorp Inc sells assets (profit will increase while costs remain the same).
It won’t show what part of ESSA Bancorp Inc is doing great or needs improvement (it only looks at total revenue and total net income).

How to calculate net profit margin

Net profit margin = net income / total revenue * 100%

Real example of ESSA Bancorp Inc

You need the following data to determine net profit margin:

Income statement from the period you want to calculate (for example, MRQ or TTM).

Net income MRQ ESSA Bancorp Inc = 4,337
Total revenue MRQ ESSA Bancorp Inc = 27,953
$4,337 / $27,953 = 0.16 or 15.5%

Higher is better

The higher the net profit margin, the more efficient the company is generating income. This helps investors to determine how the company is managing money. The net profit margin is an important indicator when diving into the financial health of a company. Overall, you want to see the net profit margin rising over the years. That means the company improved their production and made it more efficient (if possible).

You can use the net profit margin to compare companies within the same industry. If there are two companies where one is much bigger but the smaller one has a higher net profit margin, that means the smaller company is more efficiently using operational costs.

Important: Profit margins can be very different between industries. Companies with assembly lines or transports are much more prone to see shifting in prices for fuel, ingredients and maintenance compared to companies that only provide services. You should never compare net profit margin between different industries.

1.1.2. Return on Assets

Shows how efficient ESSA Bancorp Inc is using its assets to generate profit.

Above 5% is considered healthy but always compare ESSA Bancorp Inc to the Banks - Regional industry mean.
0.2% Return on Assets means that ESSA Bancorp Inc generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of ESSA Bancorp Inc:

The MRQ is 0.2%. Using its assets, the company is inefficient in making profit. -1
The TTM is 0.2%. Using its assets, the company is inefficient in making profit. -1

Trends

Current period		Compared to		+/-
MRQ	0.2%	TTM	0.2%	0.0%
TTM	0.2%	YOY	0.3%	-0.1%
TTM	0.2%	5Y	0.2%	0.0%
5Y	0.2%	10Y	0.2%	+0.0%

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	0.2%	0.1%	+0.1%
TTM	0.2%	0.2%	+0.0%
YOY	0.3%	0.2%	+0.1%
5Y	0.2%	0.2%	+0.0%
10Y	0.2%	0.2%	0.0%

Shows how efficient ESSA Bancorp Inc is using its assets to generate profit.

For a farm, a tractor is considered an asset. The tractor helps ploughing the land making it possible to plant and harvest crops. But the tractor might be old and needing maintenance all the time reducing its efficiency. Return on assets indicates how effectively the farm is using the tractor (and other assets that help the core business) to plough the land.

How to use return on assets

Higher is better.
Above 5% is considered healthy but always compare ESSA Bancorp Inc to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use return on assets in their analysis

Shows the investor how effectively ESSA Bancorp Inc is using its resources to generate profit. If the return on assets (0.2%) from ESSA Bancorp Inc are higher than the Banks - Regional mean (0.1%) that means ESSA Bancorp Inc is using its resources better than their competitors. If not, that means their competitors are more efficient in using their resources to generate profit.

An investor should always look at:

What is the current return on assets?
The current most recent quarter (MRQ) Return on Assets of ESSA Bancorp Inc is 0.2%. This means the company generated $0.00 for each $1 in assets.
How does it compare to the industry?
The mean MRQ Return on Assets of the Banks - Regional industry is 0.1%.
What is the trend?
The trend is important because it shows you how ESSA Bancorp Inc is performing over time. The most recent quarter might be important if ESSA Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for ESSA Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
If a company has many assets changing over time, it’s better to calculate the average assets instead of the total assets.

How to calculate return on assets

Return on assets = net income / total assets * 100%

Real example ESSA Bancorp Inc

You need the following data to determine return on assets (ROA):

Income statement
Balance sheet

Net income MRQ (income statement) from ESSA Bancorp Inc = 4,337
Total assets MRQ (balance sheet) from ESSA Bancorp Inc = 2,225,438
4,337 / 2,225,438 = 0.00 or 0.2%

ROA is an important ratio as it will tell you how effectively ESSA Bancorp Inc is using its resources to generate profits. Example:

Bob and Kristin both sell ice cream in the summer. They both have an ice cream truck. The truck Bob owes cost him $20.000 and the truck Kristin owes cost her $1500. Over the summer, Bob earned $2000 and Kristin earned $200. To calculate the return on assets:

Bob: $2000 / $20.000 * 100% = 10%
Kristin: $200 / $1500 * 100% = 13.3%

This tells you Bob’s company is more valuable but Kristin's company is more efficient. Be aware that total assets can change over time. A transportation business will buy and sell trucks or planes all the time. Before using return on assets as a guideline, you have to know what the exact assets are. For a company that has many assets changing over time, it’s better to calculate the average assets instead of the total assets.

1.1.3. Return on Equity

Shows how efficient ESSA Bancorp Inc is using its investors money to generate profit.

Above 15%-20% is considered healthy but always compare ESSA Bancorp Inc to the Banks - Regional industry mean.
2.0% Return on Equity means ESSA Bancorp Inc generated $0.02 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of ESSA Bancorp Inc:

The MRQ is 2.0%. Using its investors money, the company is inefficient in making profit. -1
The TTM is 2.1%. Using its investors money, the company is inefficient in making profit. -1

Trends

Current period		Compared to		+/-
MRQ	2.0%	TTM	2.1%	-0.1%
TTM	2.1%	YOY	2.4%	-0.3%
TTM	2.1%	5Y	2.0%	+0.0%
5Y	2.0%	10Y	1.6%	+0.4%

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	2.0%	1.4%	+0.6%
TTM	2.1%	2.5%	-0.4%
YOY	2.4%	2.7%	-0.3%
5Y	2.0%	2.5%	-0.5%
10Y	1.6%	2.8%	-1.2%

Shows how efficient ESSA Bancorp Inc is using its investors money to generate profit.

A publicly traded company (any company that issues shares to the public) is owned by its shareholders. Return on equity calculates the amount of profit for every $1 the shareholders invested.

How to use return on equity

Higher is better.
Above 15%-20% is considered healthy but always compare ESSA Bancorp Inc to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use return on equity in their analysis

To find out the owners/management's attitude toward their company. You typically want the owners/management to invest in the company and focus on generating profit. If not enough profit is generated (compared to the Banks - Regional industry mean), the company might not be investing their money efficiently.

The three steps every investor should look at:

What is the current return on equity?
The current most recent quarter (MRQ) Return on Equity of ESSA Bancorp Inc is 2.0%. This means ESSA Bancorp Inc generated $0.02 for each $1 the owners (shareholders) invested.
How does it compare to the industry?
The mean MRQ Return on Equity of the Banks - Regional industry is 1.4%.
What is the trend?
The trend is important because it shows you how ESSA Bancorp Inc is performing over time. The most recent quarter might be important if ESSA Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for ESSA Bancorp Inc up to 10 years back (depending if ESSA Bancorp Inc existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Does not include intangible assets (non physical assets like licences, computer software, etc.).
Stockholders equity and shareholders equity refer to the same thing.
Liabilities should not be more than three times return on equity.

How to calculate return on equity

Return on equity = net profit / shareholders equity * 100%

Real example of ESSA Bancorp Inc

You need the following data to determine ROE:

Income statement
Balance sheet
Net profit MRQ (income statement) ESSA Bancorp Inc = 4,337
Shareholders equity (balance sheet) MRQ ESSA Bancorp Inc = 220,724
4,337 / 220,724 = 0.02 or 2.0%

A negative shareholder equity is a warning sign. It means the company has more liabilities than assets. It might also mean that the owners did not invest enough money or they are taking money out of the business.

1.2. Operating Efficiency of ESSA Bancorp Inc.

1.2. Operating Efficiency

1.2.1. Operating Margin

Measures how efficient ESSA Bancorp Inc is operating .

Measures how much profit ESSA Bancorp Inc makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
Above 15% is considered healthy but always compare ESSA Bancorp Inc to the Banks - Regional industry mean.
An Operating Margin of 17.2% means the company generated $0.17 for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of ESSA Bancorp Inc:

The MRQ is 17.2%. The company is operating efficient. +1
The TTM is 36.3%. The company is operating very efficient. +2

Trends

Current period		Compared to		+/-
MRQ	17.2%	TTM	36.3%	-19.1%
TTM	36.3%	YOY	41.8%	-5.5%
TTM	36.3%	5Y	33.5%	+2.8%
5Y	33.5%	10Y	27.3%	+6.2%

Measures how efficient ESSA Bancorp Inc is operating .

The more effecient a company creates products or provides services, the more profit it generates.

How to use operating margin

Higher is better
Above 15% is considered healthy but always compare ESSA Bancorp Inc to the Banks - Regional industry mean.
Can be very different between industries
Can be used to compare companies

Why do investors use operating margin in their analysis

To determine how much profit ESSA Bancorp Inc is making from it’s core business.

The three steps every investor should look at:

What is the current net profit margin?
The current most recent quarter (MRQ) Operating Margin of ESSA Bancorp Inc is 17.2%. This means that ESSA Bancorp Inc earned $0.17 for each $1 in revenue in the most recent quarter.
How does it compare to the industry?
The mean MRQ Operating Margin of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how ESSA Bancorp Inc is performing over time. The most recent quarter might be important if ESSA Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for ESSA Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry
Can be calculated in different ways

How to calculate operating margin

Operating margin = operating earnings / total revenue

Real example of ESSA Bancorp Inc

You need the following data to determine operating margin:

Income statement
Operating earnings MRQ ESSA Bancorp Inc = 5,365
Total revenue MRQ ESSA Bancorp Inc = 27,953
$5,365 / $27,953 = 0.17 or 17.2%

Operating margin is used to calculate how much profit a company makes after variable costs of production but before paying interest and taxes. Some variable costs examples are wages, raw materials, packaging, and transaction fees. The amount of variable costs is different for each company and industry. In general, a higher operating margin is better as this implicates that a company is running efficiently.

For investors, a higher operating margin is a good sign. Although you should always look at operating margin in the long term. If operating margin is fluctuating over the years this might be a sign that things are not running efficiently enough. It’s a way to check how much profit a company is making from its core business.

Operation earnings can be calculated in multiple ways:

Operation earnings = EBIT - non operating income + non operating expense
Operation earnings = Gross profit - operating expense - depreciation and amortisation
Operation earnings = Total revenue - COGS (costs of goods sold) - indirect costs

1.2.2. Operating Ratio

Measures how efficient ESSA Bancorp Inc is keeping operating costs low.

Below 1 is considered healthy (always compare to Banks - Regional industry mean).
An Operation Ratio of 0.20 means that the operating costs are $0.20 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of ESSA Bancorp Inc:

The MRQ is 0.202. The company is very efficient in keeping operating costs low. +2
The TTM is -0.267.

Trends

Current period		Compared to		+/-
MRQ	0.202	TTM	-0.267	+0.469
TTM	-0.267	YOY	-0.255	-0.012
TTM	-0.267	5Y	-0.131	-0.136
5Y	-0.131	10Y	0.048	-0.179

Measures how efficient ESSA Bancorp Inc is keeping operating costs low.

If the operating ratio is below 1 that means the company is making money. The lower the operating ratio, the more efficient the company.

How to use operating ratio

Lower is better.
Below 1 is considered healthy but always compare ESSA Bancorp Inc to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use operating ratio in their analysis

Shows if costs of creating products and or services is increasing or decreasing. The lower the operating ratio, the more efficient the company is creating products and services.

The three steps every investor should look at:

What is the current Operatin ratio?
The current most recent quarter (MRQ) Operating Ratio of ESSA Bancorp Inc is 20.2%. This means that ESSA Bancorp Inc earned $0.20 for each $1 in net sales in the most recent quarter.
How does it compare to the industry?
The mean MRQ Operating Ratio of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how ESSA Bancorp Inc is performing over time. The most recent quarter might be important if ESSA Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for ESSA Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
You need COGS to calculate operating ratio which is not always shown in the income statement.
Does not consider debt.

How to calculate operating ratio

Operating ratio = Operating expenses + COGS \ Net sales

Real life example ESSA Bancorp Inc

You need the following data to determine operating ratio:

Income statement

COGS is not always specified on the income statement. If so you can use the following calculation:

(cost of revenue + total operating expenses) \ total revenue
(1,863 +3,781) \ 27,953 = 0.20

The operating ratio measures the efficiency of a company at keeping low costs while generating profits from sales. It compares the total operating expenses to the net amount of sales. The total operating expenses exists of:

COGS (materials, labour, rent of facility, repairs)
Operating expenses (legal fees, marketing, wages, rent, maintenance/repairs)

Operating expenses are all the costs the company makes that are not directly tied to the production of the service or product. Where COGS are costs that are directly tied to the production of a product or service.

Do note that COGS is not always available in the income statement. Some companies include COGS in the operating expenses while others list COGS separately. To make it even more confusing, COGS is also known as “costs of sales” and costs of sales is the same as costs of revenue.

The operating ratio tells you how efficient the company is creating its products or services while keeping prices low. In this case, a lower ratio is better. Higher or rising operating ratios might tell you that costs are rising while sales are not improving or staying the same.

1.3. Liquidity of ESSA Bancorp Inc.

1.3. Liquidity

1.3.1. Current Ratio

Measures if ESSA Bancorp Inc is able to pay off Short-term Debt.

Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
A Current Ratio of 0.04 means the company has $0.04 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of ESSA Bancorp Inc:

The MRQ is 0.039. The company is unable to pay all its short-term debts. -2
The TTM is 0.718. The company is unable to pay all its short-term debts. -2

Trends

Current period		Compared to		+/-
MRQ	0.039	TTM	0.718	-0.679
TTM	0.718	YOY	2.334	-1.616
TTM	0.718	5Y	185.260	-184.541
5Y	185.260	10Y	97.950	+87.309

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
TTM	0.718	0.124	+0.594
YOY	2.334	0.225	+2.109
5Y	185.260	0.219	+185.041
10Y	97.950	0.131	+97.819

Measures if ESSA Bancorp Inc is able to pay off Short-term Debt.

How to use current ratio

Higher is better
Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
Can be very different between industries
Can be used to compare companies

Why do investors use current ratio in their analysis

Shows if the company can pay of short term debts if needed. A company that can't pay off it's short term debts might get in trouble if they have to pay off their short term debts for whatever reason. For example, markets can change due to global events like covid-19 or the war in Ukraine versus Russia. Because debts are always taken based on future income, it might become troublesome for ESSA Bancorp Inc if something happens in the market that will cause sales to plummet.

The three steps every investor should look at:

What is the current current Ratio?
The current most recent quarter (MRQ) Current Ratio of ESSA Bancorp Inc is 0.04. This means ESSA Bancorp Inc has $0.04 in assets for each $1 in short-term debts.
How does it compare to the industry?
The mean MRQ Current Ratio of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how ESSA Bancorp Inc is performing over time. The most recent quarter might be important if ESSA Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for ESSA Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Might be deluded.
Not all assets can always be quickly sold.
Can be manipulated by increasing or decreasing the assets and/or liabilities.

How to calculate current ratio

Current ratio = current assets \ current liabilities

Real life example ESSA Bancorp Inc

You need the following data to determine operating ratio:

Balance sheet
Current ratio = current assets \ current liabilities
50,375 \ 1,282,157) = 0.04

The current ratio measures if ESSA Bancorp Inc is able to pay short-term debts (obligations). Short term in this context means all debt obligations that are about to expire within one year. The current ratio incorporates current liabilities and current assets. Current assets are all the assets a company has that are expected to be consumed or sold within standard business operations. You can find the current assets in the balance sheet. They consist of:

Inventory
Accounts receivable
Marketable securities
Prepaid expenses
Cash
Cash equivalents
liquid assets

The current liabilities are short term obligations that are due within one year. These consist of:

Short term debts
Dividends
Income taxes
Short-term debts
Accounts payable
Interest payments

The result shows an investor if ESSA Bancorp Inc is able to pay all its short-term debts if they were due all at once. When the result of the above formula is below 1, then ESSA Bancorp Inc does not have enough capital after selling all its assets to pay all short-term debts. If the ratio drops far below 1 that might indicate ESSA Bancorp Inc is or will be in financial trouble anytime soon.

Although this gives an investor some clues, the current ratio may also be deluded. Because owning assets does not mean the company can easily sell them. Also, Accounts receivable may be quite old (they will probably never pay) which deludes the current ratio. As with all ratios, you should only compare them between the same industries and companies.

1.3.2. Quick Ratio

Measures if ESSA Bancorp Inc is able to pay off Short-term Debt but only using the most liquid assets.

Above 1 is considered healthy but always compare ESSA Bancorp Inc to the Banks - Regional industry mean.
A Quick Ratio of 1.81 means the company can pay off $1.81 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of ESSA Bancorp Inc:

The MRQ is 1.806. The company is very able to pay all its short-term debts with the most liquid assets. +2
The TTM is 5.161. The company is very able to pay all its short-term debts with the most liquid assets. +2

Trends

Current period		Compared to		+/-
MRQ	1.806	TTM	5.161	-3.355
TTM	5.161	YOY	5.986	-0.825
TTM	5.161	5Y	218.088	-212.927
5Y	218.088	10Y	115.951	+102.137

Measures if ESSA Bancorp Inc is able to pay off Short-term Debt but only using the most liquid assets.

How to use quick ratio

Higher is better.
Above 1 is considered healthy but always compare ESSA Bancorp Inc to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use quick ratio in their analysis

Shows how fast ESSA Bancorp Inc can pay off its short term debts. This shows if ESSA Bancorp Inc can survive emergencies due to market changes or other reasons.

The three steps every investor should look at:

What is the current Quick Ratio?
The current most recent quarter (MRQ) quickRatio of ESSA Bancorp Inc is 1.81. This means that ESSA Bancorp Inc can pay off $1.81 for each $1 in debt (using most liquid assets).
How does it compare to the industry?
The mean MRQ Quick Ratio of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how ESSA Bancorp Inc is performing over time. The most recent quarter might be important if ESSA Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for ESSA Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Incorporates only most liquid assets.

How to calculate quick ratio

Quick ratio = cash and equivalents + marketable securities + accounts receivable / current liabilities

Real life example ESSA Bancorp Inc

You need the following data to determine operating ratio:

Balance sheet
Quick ratio = cash and short-term investments + short-term investments + netReceivables / total current liabilities
MRQ quick ratio ESSA Bancorp Inc: (321,450 + 288,768 +1,704,728) / 1,282,157 = 1.81

The quick ratio measures the same thing as the current ratio, only it uses the most liquid assets a company has. Meaning, the assets that can be sold for cash the easiest and fastest.

As the quick ratio only incorporates the most liquid assets, you should also check the current ratio which also includes less liquid assets. But they may be harder to sell.

1.4. Solvency of ESSA Bancorp Inc.

1.3. Liquidity

1.4.1. Debt to Asset Ratio

Measures how much % of ESSA Bancorp Inc assets are financed with debt.

Below 1 (100%) is considered healthy but always compare ESSA Bancorp Inc to Banks - Regional industry mean.
A Debt to Asset Ratio of 0.90 means that ESSA Bancorp Inc assets are financed with 90.1% credit (debt) and the remaining percentage (100% - 90.1%) is financed by its owners/shareholders.

Let's take a look of the Debt to Asset Ratio trends of ESSA Bancorp Inc:

The MRQ is 0.901. The company is just able to pay all its debts by selling its assets.
The TTM is 0.534. The company is able to pay all its debts by selling its assets. +1

Trends

Current period		Compared to		+/-
MRQ	0.901	TTM	0.534	+0.367
TTM	0.534	YOY	0.886	-0.352
TTM	0.534	5Y	0.822	-0.288
5Y	0.822	10Y	0.859	-0.038

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	0.901	0.915	-0.014
TTM	0.534	0.917	-0.383
YOY	0.886	0.919	-0.033
5Y	0.822	0.919	-0.097
10Y	0.859	0.927	-0.068

Measures how much % of ESSA Bancorp Inc assets are financed with debt.

When there are more debts than assets, that means creditors have a larger stake ESSA Bancorp Inc than its shareholders.

How to use debt to asset ratio

Lower is better.
below 1 (100%) is considered healthy but always compare ESSA Bancorp Inc to Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use the debt to asset ratio in their analysis

It shows how much debt the company used to finance its assets. If a company is almost entirely financed with debt that means the company might get into serious trouble when emergencies arise like a raise in interest.

The three steps every investor should look at:

What is the current debt to asset ratio?
The current most recent quarter (MRQ) Debt to Asset Ratio of ESSA Bancorp Inc is 0.90. This means means that ESSA Bancorp Inc is financed with 90.1% credit and the remaining percentage is financed by it's owners (shareholders).
How does it compare to the industry?
The mean MRQ Current Ratio of the Banks - Regional industry is .
What is the trend?
The trend is important because it shows you how ESSA Bancorp Inc is performing over time. The most recent quarter might be important if ESSA Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for ESSA Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry
Some companies can have higher debt to assets ratio's (for example, banks).
Debt to asset ratio should improve over the years.
If the debt to asset ratio is above 1, look at the industry mean and find out why ESSA Bancorp Inc has so much debt.

How to calculate debt to asset ratio

Debt to asset ratio = total debt \ total assets

Real life example ESSA Bancorp Inc

You need the following data to determine debt to asset ratio:

Balance sheet
Debt to asset ratio = total debt \ total assets
2,004,714 \ 2,225,438 = 90.1% or 0.90.

The debt to total assets ratio shows if the company is owned by creditors or shareholders. Or in other words, the total debt in relation to the total amount of assets. It shows how much debt the company used to finance its assets.

1.4.2. Debt to Equity Ratio

Measures if ESSA Bancorp Inc is able to pay off its debts by using shareholders equity.

Below 2 is considered healthy but always compare ESSA Bancorp Inc to the Banks - Regional industry mean.
A Debt to Equity ratio of 908.2% means that company has $9.08 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of ESSA Bancorp Inc:

The MRQ is 9.082. The company is unable to pay all its debts with equity. -1
The TTM is 5.173. The company is unable to pay all its debts with equity. -1

Trends

Current period		Compared to		+/-
MRQ	9.082	TTM	5.173	+3.910
TTM	5.173	YOY	7.778	-2.605
TTM	5.173	5Y	7.780	-2.607
5Y	7.780	10Y	8.265	-0.485

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
MRQ	9.082	10.829	-1.747
TTM	5.173	11.013	-5.840
YOY	7.778	11.363	-3.585
5Y	7.780	11.437	-3.657
10Y	8.265	13.038	-4.773

Measures if ESSA Bancorp Inc is able to pay off its debts by using shareholders equity.

How to use debt to equity ratio

Lower is better.
Below 2 is considered healthy (always use industry average).
Can be very different between industries.
Can be used to compare companies.

Why do investors use the debt to shareholders equity ratio in their analysis

It shows how much debt the company uses to finance their operations. Shareholders equity is whats left over when you subtract total liabilities from total assets. It's another way to meassure how much of ESSA Bancorp Inc is financed with debt or own resources.

The three steps every investor should look at:

What is the current debt to equity ratio?
The current most recent quarter (MRQ) quickRatio of ESSA Bancorp Inc is 9.08. This means that ESSA Bancorp Inc can pay off $9.08 for each $1 in debt.
How does it compare to the industry?
The mean MRQ Quick Ratio of the Banks - Regional industry is 10.83.
What is the trend?
The trend is important because it shows you how ESSA Bancorp Inc is performing over time. The most recent quarter might be important if ESSA Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for ESSA Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Not all debt is equally risky (for example, short term risk is less risky).

How to calculate debt to equity ratio

Debt to equity ratio = total debt \ shareholders equity.

Real life example ESSA Bancorp Inc

You need the following data to determine equity ratio:

Balance sheet
Debt to equity ratio = total debt \ shareholders equity
2,004,714 \ 220,724 = 9.08 or 908.2%

Debt to equity measures the total debt versus the total shareholders equity. While the total debts to total assets ratio uses total assets, the debt to equity ratio looks at the total equity of shareholders. Where equity of shareholders are:

Common shares.
Preferred shares.
Retained earnings.

You can find the shareholders' equity in the balance sheet. A ratio between 0,5 and 1,5 is preferred. If the ratio is above 1.5, that would indicate creditors have significantly more stake (debt) in the company than the shareholders. In other words, the company is using a lot of debt to finance their operations.

Not all debt is equally risky. Meaning you can adjust the ratio by including or excluding certain amounts of debt. Short term debts are less risky because they have to be paid back within one year anyway. It’s much easier to plan one year ahead versus five or ten years.

2. Market Valuation of ESSA Bancorp Inc

2.1. Earnings Per Share

2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings ESSA Bancorp Inc generates.

Above 15 is considered overpriced but always compare ESSA Bancorp Inc to the Banks - Regional industry mean.
A PE ratio of 11.69 means the investor is paying $11.69 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of ESSA Bancorp Inc:

The EOD is 9.733. Based on the earnings, the company is underpriced. +1
The MRQ is 11.692. Based on the earnings, the company is underpriced. +1
The TTM is 9.254. Based on the earnings, the company is underpriced. +1

Trends

Current period		Compared to		+/-
EOD	9.733	MRQ	11.692	-1.959
MRQ	11.692	TTM	9.254	+2.438
TTM	9.254	YOY	9.410	-0.155
TTM	9.254	5Y	10.216	-0.962
5Y	10.216	10Y	12.584	-2.368

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
EOD	9.733	7.555	+2.178
MRQ	11.692	6.680	+5.012
TTM	9.254	5.295	+3.959
YOY	9.410	6.943	+2.467
5Y	10.216	9.770	+0.446
10Y	12.584	9.943	+2.641

Measures how much money you pay for each share for every $1 in earnings ESSA Bancorp Inc generates.

Indicates if the company’s shares are under or overvalued.

How to use PE ratio

Above 15 is considered overpriced but is hard to determine. Always compare ESSA Bancorp Inc to the Banks - Regional industry mean.
Can be very different between industries.
Can be used to compare companies.

Why do investors use PE ratio in their analysis

The PE ratio tells investors the current sentiment in the market for that company. As with every stock, the stock price never shows the real valuation of a company but rather how the market thinks how much the stock is worth.

In other words, the current stock price also incorporates any future earnings or business opportunities in the future. The best example is the stock market crash in 2000. The PE ratio for any internet based company was going through the roof. Only based on the general assumption the internet and all associated businesses would thrive in the future. But this was based on nothing. A business still needs a good product or service to be able to survive. Instead, every investor bought any stock which did something related to the internet. Result: huge market crash.

Many investors were willing to pay premium prices and that was causing the PE ratio to rise. A high PE ratio is a warning sign that investors might be overvaluing a stock based on future earnings.

The three steps every investor should look at:

What is the current PE Ratio?
The current most recent quarter (MRQ) PE Ratio of ESSA Bancorp Inc is 11.69. This means the investor is paying $11.69 for every $1 in earnings.
How does it compare to the industry?
The mean MRQ Quick Ratio of the Banks - Regional industry is 6.68.
What is the trend?
The trend is important because it shows you how ESSA Bancorp Inc is performing over time. The most recent quarter might be important if ESSA Bancorp Inc released a new product or service. And you can use MRQ to see if they performed better vs last year. You can find all the trends for ESSA Bancorp Inc up to 10 years back (depending if the company existed 10 years ago) when you exit this learning section.

Things to be aware of

Only compare with other companies in the same industry.
Some industries might have very high or very low PE ratios in general.
PE ratios can be high for several years, it does not mean a sudden collapse is imminent.
Earnings growth is not included in the PE ratio.

How to calculate PE ratio

PE ratio = market value per share \ earnings per share

Real life example ESSA Bancorp Inc

You need the following data to determine the PE ratio:

Balance sheet
Income statement

The PE ratio is a very commonly used ratio to determine the value of a company by comparing the current stock price relative to its earnings per share (EPS). Before we can calculate the PE ratio we need to know the EPS. EPS is calculated as follows:

EPS = (net profit - preferred dividends) \ end of period outstanding shares*
Net profit = revenue - expenses
0 \ 9,637 = EPS
PE ratio MRQ = 11.69

* The net profit minus preferred dividends can be found in the incomestatement as netIncomeApplicableToCommonShares.

The PE value helps investors to determine if the current stock price is under or overvalued. It also projects future growth.

In general, a higher PE ratio means that investors predict higher future growth. If the PE ratio is too high, then investors expect way too much future growth the company can never fulfil. This is most likely to happen in faster moving companies like tech companies or automobile companies like Tesla. These are hot and booming markets where investors expect much future growth driven by new technology (electric cars). When looking at the current MRQ (most recent quarter) PE ratio of Tesla ( jan. 2021) it's about 247 while the average in the industry is only 6. That might be a clue that Tesla is trading for way too high prices compared to their current assets and is more based on future growth.

2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of ESSA Bancorp Inc:

The EOD is 6.726. Based on how much money comes from the company's main activities, the company is cheap. +2
The MRQ is 8.080. Based on how much money comes from the company's main activities, the company is cheap. +2
The TTM is 7.088. Based on how much money comes from the company's main activities, the company is cheap. +2

Trends

Current period		Compared to		+/-
EOD	6.726	MRQ	8.080	-1.354
MRQ	8.080	TTM	7.088	+0.992
TTM	7.088	YOY	10.541	-3.453
TTM	7.088	5Y	10.337	-3.249
5Y	10.337	10Y	9.524	+0.814

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
EOD	6.726	-2.112	+8.838
MRQ	8.080	-1.868	+9.948
TTM	7.088	-0.342	+7.430
YOY	10.541	6.448	+4.093
5Y	10.337	0.429	+9.908
10Y	9.524	0.091	+9.433

2. Book Value per Share

2.3. Price to Book Ratio

Measures if the stock price of ESSA Bancorp Inc is to cheap or to expensive compared to its book value.

At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
A PB ratio of 0.92 means the investor is paying $0.92 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of ESSA Bancorp Inc:

The EOD is 0.765. Based on the equity, the company is cheap. +2
The MRQ is 0.919. Based on the equity, the company is cheap. +2
The TTM is 0.453. Based on the equity, the company is cheap. +2

Trends

Current period		Compared to		+/-
EOD	0.765	MRQ	0.919	-0.154
MRQ	0.919	TTM	0.453	+0.466
TTM	0.453	YOY	0.889	-0.436
TTM	0.453	5Y	0.761	-0.308
5Y	0.761	10Y	0.803	-0.042

Compared to industry (Banks - Regional)

Period	Company	Industry (mean)	+/-
EOD	0.765	0.436	+0.329
MRQ	0.919	0.386	+0.533
TTM	0.453	0.470	-0.017
YOY	0.889	0.642	+0.247
5Y	0.761	0.795	-0.034
10Y	0.803	1.025	-0.222

2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of ESSA Bancorp Inc.

3.1. Institutions holding ESSA Bancorp Inc

Institutions are holding 44.596% of the shares of ESSA Bancorp Inc.

Date	Name	Total Shares	Total Assets	Current Shares	Change	%
2023-09-30	FJ Capital Management LLC	10.1964	1.7548	1033050	0	0
2023-12-31	Dimensional Fund Advisors, Inc.	4.7975	0.0028	486064	0	0
2023-12-31	BlackRock Inc	4.7783	0.0003	484119	65183	15.5592
2023-12-31	Vanguard Group Inc	4.3347	0.0002	439170	2705	0.6198
2023-12-31	Maltese Capital Management LLC	3.3157	1.8944	335935	12035	3.7157
2023-12-31	Renaissance Technologies Corp	3.0974	0.0097	313818	-6100	-1.9067
2023-12-31	Manufacturers Life Insurance Co	2.8793	0.0035	291712	-2223	-0.7563
2023-12-31	Geode Capital Management, LLC	1.7261	0.0004	174877	17193	10.9035
2023-12-31	Bridgeway Capital Management, LLC	1.0536	0.0458	106749	3456	3.3458
2023-12-31	State Street Corporation	0.9665	0.0001	97917	-25241	-20.4948
2023-12-31	Oppenheimer & Close Inc	0.8506	1.573	86175	0	0
2023-12-31	Northern Trust Corp	0.7101	0.0003	71940	-66	-0.0917
2023-12-31	Pinnacle Holdings, LLC	0.5921	0.4942	59991	0	0
2023-12-31	Philadelphia Trust Co	0.5119	0.0975	51859	0	0
2023-12-31	Empowered Funds, LLC	0.383	0.0195	38806	3456	9.7765
2023-12-31	Bank of New York Mellon Corp	0.3184	0.0001	32255	-20895	-39.3133
2023-12-31	Morgan Stanley - Brokerage Accounts	0.3173	0.0001	32146	10720	50.0327
2023-09-30	Fourthstone LLC	0.3071	0.106	31114	31114	0
2023-12-31	Envestnet Asset Management Inc	0.2961	0.0003	30000	30000	0
2023-12-31	Mercer Global Advisors Inc.	0.2961	0.0018	30000	0	0
Total		41.7282	6.0048	4227697	+121337	+2.9%

3.2. Funds holding ESSA Bancorp Inc

Date	Name	Total Shares	Total Assets	Current Shares	Change	%
2024-02-29	Vanguard Total Stock Mkt Idx Inv	2.5432	0.0003	257669	0	0
2024-02-29	iShares Russell 2000 ETF	1.9678	0.0056	199369	-33	-0.0165
2024-01-31	DFA US Small Cap Value I	1.7269	0.022	174964	0	0
2024-01-31	JHancock Regional Bank A	1.4152	0.3427	143378	0	0
2024-02-29	Vanguard Institutional Extnd Mkt Idx Tr	1.2375	0.0021	125382	0	0
2024-01-31	JH Financial Opportunities	0.9335	0.259	94578	0	0
2023-12-31	Fidelity Small Cap Index	0.8389	0.0067	84994	9056	11.9255
2024-02-01	iShares Russell 2000 Value ETF	0.8135	0.0135	82416	104	0.1263
2024-01-31	DFA US Micro Cap I	0.5896	0.0167	59731	0	0
2024-01-31	DFA US Small Cap I	0.4897	0.0064	49615	0	0
2023-07-20	Manulife US Bank Equity Mother Fund	0.455	0.345	46100	8400	22.2812
2024-01-31	Fidelity Extended Market Index	0.4537	0.0024	45962	0	0
2023-12-31	Bridgeway Omni Small-Cap Value	0.4412	0.0697	44700	0	0
2023-12-31	Bridgeway Omni Small-Cap Value N	0.4412	0.0698	44700	0	0
2024-02-29	EA Bridgeway Omni Small-Cap Value ETF	0.4042	0.0615	40948	90	0.2203
2024-01-31	DFA US Targeted Value I	0.3524	0.0053	35707	0	0
2024-02-29	Vanguard Russell 2000 ETF	0.3087	0.0057	31275	2492	8.6579
2024-02-29	State St Russell Sm Cap® Indx SL Cl I	0.2675	0.005	27100	0	0
2024-02-29	Dimensional US Targeted Value ETF	0.2408	0.0044	24400	0	0
2023-12-31	NT R2000 Value Index Fund - NL	0.2396	0.0129	24271	-1353	-5.2802
Total		16.1601	1.2567	1637259	+18756	+1.1%

3.3. Insider Transactions

Insiders are holding 15.966% of the shares of ESSA Bancorp Inc.

Date	Owner	Type	Amount	Price
2023-09-13	Peter A Gray	BUY	1000	14.85
2023-09-06	Robert C Selig Jr	BUY	1000	15.43
2023-08-25	Peter A Gray	BUY	2500	15.9
2023-08-23	Robert C Selig Jr	BUY	500	16.22
2023-08-21	Robert C Selig Jr	BUY	500	16.55
2023-08-17	Robert C Selig Jr	BUY	1000	16.59
2023-08-15	Robert C Selig Jr	BUY	2500	16.76

4. Summary

4.1. Key Performance Indicators

The key performance indicators of ESSA Bancorp Inc compared to the Most Recent Quarter (MRQ).

	End of day	+/-	Most Recent Quarter	Trailing 12 Months	+/-	Year-Over-Year	+/-	5 Year	+/-	10 Year	+/-
Book Value Change Per Share	-	-	-167.583	0.112	-149495%	0.211	-79449%	0.246	-68312%	0.163	-102992%
Book Value Per Share	-	-	21.786	102.217	-79%	21.085	+3%	35.960	-39%	26.167	-17%
Current Ratio	-	-	0.039	0.718	-95%	2.334	-98%	185.260	-100%	97.950	-100%
Debt To Asset Ratio	-	-	0.901	0.534	+69%	0.886	+2%	0.822	+10%	0.859	+5%
Debt To Equity Ratio	-	-	9.082	5.173	+76%	7.778	+17%	7.780	+17%	8.265	+10%
Dividend Per Share	-	-	0.146	0.145	+1%	0.137	+6%	0.122	+19%	0.104	+40%
Eps	-	-	0.428	0.445	-4%	0.501	-15%	0.408	+5%	0.300	+43%
Free Cash Flow Per Share	-	-	0.619	0.579	+7%	0.530	+17%	0.491	+26%	0.460	+35%
Free Cash Flow To Equity Per Share	-	-	-6.977	7.314	-195%	1.443	-584%	1.721	-505%	1.328	-625%
Gross Profit Margin	-	-	0.969	0.967	+0%	0.957	+1%	0.961	+1%	0.928	+4%
Intrinsic Value_10Y_max	-	-	32.206	-	-	-	-	-	-	-	-
Intrinsic Value_10Y_min	-	-	18.480	-	-	-	-	-	-	-	-
Intrinsic Value_1Y_max	-	-	2.270	-	-	-	-	-	-	-	-
Intrinsic Value_1Y_min	-	-	1.852	-	-	-	-	-	-	-	-
Intrinsic Value_3Y_max	-	-	7.550	-	-	-	-	-	-	-	-
Intrinsic Value_3Y_min	-	-	5.598	-	-	-	-	-	-	-	-
Intrinsic Value_5Y_max	-	-	13.709	-	-	-	-	-	-	-	-
Intrinsic Value_5Y_min	-	-	9.350	-	-	-	-	-	-	-	-
Market Cap	168841447.500	-20%	202832630.000	166409887.500	+22%	189990953.750	+7%	166926395.042	+22%	157599050.319	+29%
Net Profit Margin	-	-	0.155	0.238	-35%	0.290	-47%	0.253	-39%	0.203	-24%
Operating Margin	-	-	0.172	0.363	-53%	0.418	-59%	0.335	-49%	0.273	-37%
Operating Ratio	-	-	0.202	-0.267	+232%	-0.255	+226%	-0.131	+165%	0.048	+320%
Pb Ratio	0.765	-20%	0.919	0.453	+103%	0.889	+3%	0.761	+21%	0.803	+14%
Pe Ratio	9.733	-20%	11.692	9.254	+26%	9.410	+24%	10.216	+14%	12.584	-7%
Price Per Share	16.665	-20%	20.020	16.425	+22%	18.753	+7%	16.292	+23%	15.074	+33%
Price To Free Cash Flow Ratio	6.726	-20%	8.080	7.088	+14%	10.541	-23%	10.337	-22%	9.524	-15%
Price To Total Gains Ratio	-0.100	+17%	-0.120	10.019	-101%	131.269	-100%	61.285	-100%	-13.768	+11415%
Quick Ratio	-	-	1.806	5.161	-65%	5.986	-70%	218.088	-99%	115.951	-98%
Return On Assets	-	-	0.002	0.002	-7%	0.003	-28%	0.002	-10%	0.002	+16%
Return On Equity	-	-	0.020	0.021	-4%	0.024	-17%	0.020	-4%	0.016	+22%
Total Gains Per Share	-	-	-167.438	0.257	-65233%	0.349	-48143%	0.368	-45599%	0.267	-62811%
Usd Book Value	-	-	220724000.000	1035607000.000	-79%	213622750.000	+3%	366485300.000	-40%	270803525.000	-18%
Usd Book Value Change Per Share	-	-	-167.583	0.112	-149495%	0.211	-79449%	0.246	-68312%	0.163	-102992%
Usd Book Value Per Share	-	-	21.786	102.217	-79%	21.085	+3%	35.960	-39%	26.167	-17%
Usd Dividend Per Share	-	-	0.146	0.145	+1%	0.137	+6%	0.122	+19%	0.104	+40%
Usd Eps	-	-	0.428	0.445	-4%	0.501	-15%	0.408	+5%	0.300	+43%
Usd Free Cash Flow	-	-	6276000.000	5864500.000	+7%	5374750.000	+17%	5031650.000	+25%	4803825.000	+31%
Usd Free Cash Flow Per Share	-	-	0.619	0.579	+7%	0.530	+17%	0.491	+26%	0.460	+35%
Usd Free Cash Flow To Equity Per Share	-	-	-6.977	7.314	-195%	1.443	-584%	1.721	-505%	1.328	-625%
Usd Market Cap	168841447.500	-20%	202832630.000	166409887.500	+22%	189990953.750	+7%	166926395.042	+22%	157599050.319	+29%
Usd Price Per Share	16.665	-20%	20.020	16.425	+22%	18.753	+7%	16.292	+23%	15.074	+33%
Usd Profit	-	-	4337000.000	4511750.000	-4%	5080750.000	-15%	4171850.000	+4%	3108350.000	+40%
Usd Revenue	-	-	27953000.000	19920750.000	+40%	17483000.000	+60%	16625500.000	+68%	15003225.000	+86%
Usd Total Gains Per Share	-	-	-167.438	0.257	-65233%	0.349	-48143%	0.368	-45599%	0.267	-62811%
	EOD	+5 -3	MRQ	TTM	+10 -26	YOY	+14 -22	5Y	+14 -22	10Y	+18 -18

4.2. Fundamental Score

Let's check the fundamental score of ESSA Bancorp Inc based on Penke's default stock scanner.

Penke's Stock Scanner

Indicator	Condition		Value
Price to Earnings Ratio (EOD)	Between	0-15	9.733
Price to Book Ratio (EOD)	Between	0-1	0.765
Net Profit Margin (MRQ)	Greater than	0	0.155
Operating Margin (MRQ)	Greater than	0	0.172
Quick Ratio (MRQ)	Greater than	1	1.806
Current Ratio (MRQ)	Greater than	1	0.039
Debt to Asset Ratio (MRQ)	Less than	1	0.901
Debt to Equity Ratio (MRQ)	Less than	1	9.082
Return on Equity (MRQ)	Greater than	0.15	0.020
Return on Assets (MRQ)	Greater than	0.05	0.002
Total			6/10 (60.0%)

Create your own Stock Scanner

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4.3. Technical Score

Let's check the technical score of ESSA Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

Indicator	Condition		Value
Rsi	Greater than	50	44.338
Ma 20	Greater than	Ma 50	17.244
Ma 50	Greater than	Ma 100	17.525
Ma 100	Greater than	Ma 200	18.192
Open	Greater than	Close	16.420
Total			1/5 (20.0%)

Create your own Symbol Scanner

Trading is personal. The best traders buy and sell based on their own technical analysis. Create your personal Symbol Scanner with the technical indicators that are important to you.
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Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

		2022-12-31		2023-03-31		2023-06-30		2023-09-30		2023-12-31
Other Current Liabilities		-5,091	-296,387	-301,478	-98,511	-399,989	25,337	-374,652	1,295,309	920,657
Long-term Assets Other		-5,091	-17	-5,108	-1,069	-6,177	-700	-6,877	2,103,644	2,096,767

Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in USD. All numbers in thousands.

Summary

Total Assets	2,225,438
Total Liabilities	2,004,714
Total Stockholder Equity	220,724

	As reported
Total Liabilities	2,004,714
Total Stockholder Equity	+ 220,724
Total Assets	= 2,225,438

Assets

Total Assets	2,225,438
Total Current Assets	50,375
Long-term Assets	2,175,063

Total Current Assets

Total Current Assets (as reported)	50,375
Cash And Cash Equivalents	47,180
Short-term Investments	288,768
Net Receivables	1,704,728
Inventory	-2,026,178
Other Current Assets	50,375
Total Current Assets (calculated)	64,873
+/-	14,498

Long-term Assets

Long-term Assets (as reported)	2,175,063
Property Plant Equipment	11,936
Goodwill	13,801
Long Term Investments	339,780
Intangible Assets	44
Long-term Assets Other	2,096,767
Long-term Assets (calculated)	2,462,328
+/-	287,265

Liabilities & Shareholders' Equity

Total Current Liabilities	1,282,157
Long-term Liabilities	722,557
Total Stockholder Equity	220,724

Total Current Liabilities

Total Current Liabilities (as reported)	1,282,157
Short-term Debt	361,500
Short Long Term Debt	361,500
Other Current Liabilities	920,657
Total Current Liabilities (calculated)	1,643,657
+/-	361,500

Long-term Liabilities

Long-term Liabilities (as reported)	722,557
Long term Debt	10,000
Long-term Liabilities (calculated)	10,000
+/-	712,557

Total Stockholder Equity

Total Stockholder Equity (as reported)	220,724
Common Stock	181
Retained Earnings	155,247
Accumulated Other Comprehensive Income	-7,286
Other Stockholders Equity	72,582
Total Stockholder Equity (calculated)	220,724
+/-	0

Other

Capital Stock	181
Cash and Short Term Investments	321,450
Common Stock Shares Outstanding	9,637
Liabilities and Stockholders Equity	2,225,438
Net Debt	324,320
Net Invested Capital	592,224
Net Working Capital	-1,231,782
Short Long Term Debt Total	371,500

Balance Sheet

Currency in USD. All numbers in thousands.

Trend

2023-12-31

2023-09-30

2023-06-30

2023-03-31

2022-12-31

2022-09-30

2022-06-30

2022-03-31

2021-12-31

2021-09-30

2021-06-30

2021-03-31

2020-12-31

2020-09-30

2020-06-30

2020-03-31

2019-12-31

2019-09-30

2019-06-30

2019-03-31

2018-12-31

2018-09-30

2018-06-30

2018-03-31

2017-12-31

2017-09-30

2017-06-30

2017-03-31

2016-12-31

2016-09-30

2016-06-30

2016-03-31

2015-12-31

2015-09-30

2015-06-30

2015-03-31

2014-12-31

2014-09-30

2014-06-30

2014-03-31

2013-12-31

2013-09-30

2013-06-30

2013-03-31

2012-12-31

2012-09-30

2012-06-30

2012-03-31

2011-12-31

2011-09-30

2011-06-30

2011-03-31

2010-12-31

2010-09-30

2010-06-30

2010-03-31

2009-12-31

2009-09-30

2009-06-30

2009-03-31

2008-12-31

2008-09-30

2008-06-30

2008-03-31

2007-12-31

2007-09-30

2007-06-30

2007-03-31

2006-12-31

2006-09-30

2006-06-30

2006-03-31

2005-12-31

2005-09-30

> Total Assets

656,066
0
0
0
725,796
771,247
771,247
892,255
910,415
930,636
967,810
984,857
993,482
1,032,679
1,050,634
1,052,942
1,042,119
1,033,957
1,058,692
1,067,153
1,071,997
1,081,041
1,093,872
1,102,623
1,097,480
1,097,071
1,114,204
1,113,063
1,418,786
1,405,642
1,385,876
1,378,417
1,372,315
1,355,196
1,365,394
1,559,178
1,574,815
1,567,754
1,584,571
1,598,824
1,606,544
1,763,413
1,763,289
1,766,681
1,772,479
1,778,610
1,758,729
1,763,797
1,785,218
1,822,416
1,820,924
1,827,274
1,833,790
1,862,878
1,835,814
1,800,024
1,799,427
1,810,643
1,955,176
2,009,117
1,893,515
1,868,818
1,969,789
1,822,209
1,861,436
1,868,346
1,865,567
1,846,389
1,861,817
1,927,229
1,985,519
2,184,300
2,293,246
2,225,438

2,225,438

2,293,246

2,184,300

1,985,519

1,927,229

1,861,817

1,846,389

1,865,567

1,868,346

1,861,436

1,822,209

1,969,789

1,868,818

1,893,515

2,009,117

1,955,176

1,810,643

1,799,427

1,800,024

1,835,814

1,862,878

1,833,790

1,827,274

1,820,924

1,822,416

1,785,218

1,763,797

1,758,729

1,778,610

1,772,479

1,766,681

1,763,289

1,763,413

1,606,544

1,598,824

1,584,571

1,567,754

1,574,815

1,559,178

1,365,394

1,355,196

1,372,315

1,378,417

1,385,876

1,405,642

1,418,786

1,113,063

1,114,204

1,097,071

1,097,480

1,102,623

1,093,872

1,081,041

1,071,997

1,067,153

1,058,692

1,033,957

1,042,119

1,052,942

1,050,634

1,032,679

993,482

984,857

967,810

930,636

910,415

892,255

771,247

725,796

656,066

> Total Current Assets

0
0
0
0
569,407
0
38,959
21,107
630,449
856,432
889,034
19,908
715,272
946,067
966,365
10,425
740,683
952,043
958,141
25,704
738,296
1,002,644
1,004,024
823,350
838,728
829,071
823,541
823,119
1,059,767
1,046,269
1,043,400
1,040,351
1,029,663
1,012,779
1,021,759
1,154,175
1,162,125
1,157,373
1,172,057
1,188,625
1,198,566
1,335,440
1,339,848
1,339,718
1,348,937
1,353,698
1,330,914
1,344,033
1,362,887
1,399,977
1,412,579
1,425,821
1,432,575
1,457,284
1,457,860
1,445,435
1,456,832
1,468,707
1,619,645
1,684,944
1,652,210
1,666,032
1,773,849
1,627,673
1,571,446
1,612,647
353,564
1,648,599
236,584
233,960
227,831
383,165
419,458
50,375

50,375

419,458

383,165

227,831

233,960

236,584

1,648,599

353,564

1,612,647

1,571,446

1,627,673

1,773,849

1,666,032

1,652,210

1,684,944

1,619,645

1,468,707

1,456,832

1,445,435

1,457,860

1,457,284

1,432,575

1,425,821

1,412,579

1,399,977

1,362,887

1,344,033

1,330,914

1,353,698

1,348,937

1,339,718

1,339,848

1,335,440

1,198,566

1,188,625

1,172,057

1,157,373

1,162,125

1,154,175

1,021,759

1,012,779

1,029,663

1,040,351

1,043,400

1,046,269

1,059,767

823,119

823,541

829,071

838,728

823,350

1,004,024

1,002,644

738,296

25,704

958,141

952,043

740,683

10,425

966,365

946,067

715,272

19,908

889,034

856,432

630,449

21,107

38,959

569,407

Cash And Cash Equivalents

12,240
0
0
0
12,730
38,959
38,959
21,107
16,779
19,461
18,797
19,908
16,391
26,227
22,203
10,425
18,593
18,072
25,915
25,704
10,890
7,346
20,209
21,797
41,694
29,064
23,065
22,784
15,550
21,683
25,726
22,092
28,415
16,584
42,429
25,247
24,068
22,218
18,362
19,442
20,508
27,228
25,383
27,478
44,908
40,851
37,443
34,559
42,183
39,285
35,304
38,407
44,039
40,150
41,409
40,948
52,242
42,552
173,519
170,844
155,917
217,214
310,937
185,400
158,946
198,421
190,197
83,121
27,937
28,772
24,541
95,182
85,402
47,180

47,180

85,402

95,182

24,541

28,772

27,937

83,121

190,197

198,421

158,946

185,400

310,937

217,214

155,917

170,844

173,519

42,552

52,242

40,948

41,409

40,150

44,039

38,407

35,304

39,285

42,183

34,559

37,443

40,851

44,908

27,478

25,383

27,228

20,508

19,442

18,362

22,218

24,068

25,247

42,429

16,584

28,415

22,092

25,726

21,683

15,550

22,784

23,065

29,064

41,694

21,797

20,209

7,346

10,890

25,704

25,915

18,072

18,593

10,425

22,203

26,227

16,391

19,908

18,797

19,461

16,779

21,107

38,959

12,730

12,240

Short-term Investments

8,050
0
0
0
1,053
0
142,872
0
6,175
206,728
217,633
0
8,009
219,186
212,785
0
16,845
214,937
223,000
0
3,436
249,457
251,862
256,166
245,393
254,746
277,576
276,496
329,585
331,525
314,961
310,621
315,622
315,829
314,329
375,024
383,078
380,943
383,350
381,375
379,407
393,572
389,603
393,523
390,410
392,113
395,315
387,608
390,452
391,202
377,375
371,109
371,438
376,072
348,617
325,327
313,393
312,768
306,407
295,228
212,484
174,076
161,240
148,170
240,581
172,154
163,367
200,882
208,647
205,188
203,290
287,983
334,056
288,768

288,768

334,056

287,983

203,290

205,188

208,647

200,882

163,367

172,154

240,581

148,170

161,240

174,076

212,484

295,228

306,407

312,768

313,393

325,327

348,617

376,072

371,438

371,109

377,375

391,202

390,452

387,608

395,315

392,113

390,410

393,523

389,603

393,572

379,407

381,375

383,350

380,943

383,078

375,024

314,329

315,829

315,622

310,621

314,961

331,525

329,585

276,496

277,576

254,746

245,393

256,166

251,862

249,457

3,436

223,000

214,937

16,845

212,785

219,186

8,009

217,633

206,728

6,175

142,872

1,053

8,050

Net Receivables

0
0
0
0
556,677
0
579,918
0
619,845
638,959
660,911
0
706,890
718,406
745,596
0
733,580
729,861
728,739
0
730,842
747,822
744,108
0
738,619
742,100
741,617
0
950,355
940,275
938,782
0
928,230
922,286
906,356
0
1,058,267
1,059,158
1,078,495
0
1,102,118
1,228,007
1,235,613
0
1,219,213
1,224,021
1,208,497
0
1,236,681
0
1,291,262
0
1,305,071
1,334,304
1,335,197
0
1,328,653
1,345,311
1,358,167
0
1,418,182
1,375,295
1,386,805
0
1,340,853
1,339,301
1,340,317
1,380,164
1,435,783
1,504,400
1,569,338
1,611,066
1,680,525
1,704,728

1,704,728

1,680,525

1,611,066

1,569,338

1,504,400

1,435,783

1,380,164

1,340,317

1,339,301

1,340,853

1,386,805

1,375,295

1,418,182

1,358,167

1,345,311

1,328,653

1,335,197

1,334,304

1,305,071

1,291,262

1,236,681

1,208,497

1,224,021

1,219,213

1,235,613

1,228,007

1,102,118

1,078,495

1,059,158

1,058,267

906,356

922,286

928,230

938,782

940,275

950,355

741,617

742,100

738,619

744,108

747,822

730,842

728,739

729,861

733,580

745,596

718,406

706,890

660,911

638,959

619,845

579,918

556,677

Other Current Assets

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
801,553
797,034
800,007
800,476
800,335
1,044,217
693,061
702,713
707,638
685,626
680,366
665,001
753,904
754,979
754,212
770,345
787,808
798,651
914,640
924,862
918,717
913,619
920,734
898,156
921,866
930,252
969,490
999,900
1,016,305
1,017,098
1,041,080
1,067,834
1,079,160
1,091,197
1,113,387
1,139,719
1,218,872
1,283,809
1,274,742
1,301,672
1,294,103
1,171,919
1,242,072
-8,206
-15,568
27,966
28,798
28,087
98,728
88,713
50,375

50,375

88,713

98,728

28,087

28,798

27,966

-15,568

-8,206

1,242,072

1,171,919

1,294,103

1,301,672

1,274,742

1,283,809

1,218,872

1,139,719

1,113,387

1,091,197

1,079,160

1,067,834

1,041,080

1,017,098

1,016,305

999,900

969,490

930,252

921,866

898,156

920,734

913,619

918,717

924,862

914,640

798,651

787,808

770,345

754,212

754,979

753,904

665,001

680,366

685,626

707,638

702,713

693,061

1,044,217

800,335

800,476

800,007

797,034

801,553

> Long-term Assets

0
0
0
0
120,284
0
124,072
232,233
11,277
11,165
11,040
232,588
10,662
10,605
10,451
252,928
10,620
11,246
12,230
257,139
12,189
12,059
11,858
279,273
258,752
268,000
290,663
289,944
359,019
359,373
342,476
338,066
342,652
342,417
343,635
405,003
412,690
410,381
412,514
410,199
407,978
427,973
423,441
426,963
423,542
424,912
427,815
419,764
422,331
422,439
408,345
401,453
401,215
405,594
377,954
354,589
342,595
341,936
335,531
324,173
241,305
202,786
195,940
194,536
289,990
255,699
251,349
287,015
293,140
288,353
285,317
368,524
413,103
2,175,063

2,175,063

413,103

368,524

285,317

288,353

293,140

287,015

251,349

255,699

289,990

194,536

195,940

202,786

241,305

324,173

335,531

341,936

342,595

354,589

377,954

405,594

401,215

401,453

408,345

422,439

422,331

419,764

427,815

424,912

423,542

426,963

423,441

427,973

407,978

410,199

412,514

410,381

412,690

405,003

343,635

342,417

342,652

338,066

342,476

359,373

359,019

289,944

290,663

268,000

258,752

279,273

11,858

12,059

12,189

257,139

12,230

11,246

10,620

252,928

10,451

10,605

10,662

232,588

11,040

11,165

11,277

232,233

124,072

120,284

Property Plant Equipment

11,560
0
0
0
11,447
11,408
11,408
11,391
11,277
11,165
11,040
10,885
10,662
10,605
10,451
10,762
10,620
11,246
12,230
12,570
12,189
12,059
11,858
11,682
11,494
11,470
11,384
11,453
16,170
16,100
16,017
15,921
15,747
15,542
17,055
17,121
16,957
16,949
16,838
16,655
16,553
17,524
17,185
16,977
16,844
16,674
16,539
16,353
16,234
15,736
15,604
15,080
14,601
14,448
14,323
14,321
14,335
14,373
14,397
14,286
14,230
14,186
14,148
13,996
13,605
13,543
13,419
13,211
13,126
13,105
13,136
13,031
12,913
11,936

11,936

12,913

13,031

13,136

13,105

13,126

13,211

13,419

13,543

13,605

13,996

14,148

14,186

14,230

14,286

14,397

14,373

14,335

14,321

14,323

14,448

14,601

15,080

15,604

15,736

16,234

16,353

16,539

16,674

16,844

16,977

17,185

17,524

16,553

16,655

16,838

16,949

16,957

17,121

17,055

15,542

15,747

15,921

16,017

16,100

16,170

11,453

11,384

11,470

11,494

11,682

11,858

12,059

12,189

12,570

12,230

11,246

10,620

10,762

10,451

10,605

10,662

10,885

11,040

11,165

11,277

11,391

11,408

11,447

11,560

Goodwill

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
40
40
40
40
413
8,541
8,541
8,541
8,817
8,817
8,817
10,259
10,259
10,259
10,259
10,259
10,259
10,259
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801
13,801

13,801

10,259

8,817

8,541

413

Long Term Investments

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
751,243
738,619
742,100
741,617
741,200
950,355
942,371
938,782
942,794
928,230
922,286
906,356
1,050,125
1,058,267
1,059,158
1,078,495
1,092,527
1,102,118
1,228,007
1,235,613
1,233,479
1,219,213
1,224,021
1,208,497
1,224,206
1,236,681
1,276,335
1,291,262
1,301,589
1,305,071
1,710,358
1,683,814
1,651,950
1,642,046
1,658,079
1,664,574
1,718,360
1,630,666
1,549,994
1,555,053
166,152
262,064
227,901
223,741
259,674
265,932
261,213
258,194
341,553
386,298
339,780

339,780

386,298

341,553

258,194

261,213

265,932

259,674

223,741

227,901

262,064

166,152

1,555,053

1,549,994

1,630,666

1,718,360

1,664,574

1,658,079

1,642,046

1,651,950

1,683,814

1,710,358

1,305,071

1,301,589

1,291,262

1,276,335

1,236,681

1,224,206

1,208,497

1,224,021

1,219,213

1,233,479

1,235,613

1,228,007

1,102,118

1,092,527

1,078,495

1,059,158

1,058,267

1,050,125

906,356

922,286

928,230

942,794

938,782

942,371

950,355

741,200

741,617

742,100

738,619

751,243

Intangible Assets

253
0
0
0
215
0
0
0
183
0
0
0
156
0
0
0
289
0
0
0
318
0
0
1,906
1,825
1,744
1,663
1,582
3,457
3,207
2,957
2,707
2,466
2,229
1,992
2,599
2,396
2,230
2,067
1,910
1,759
3,076
2,852
2,662
2,487
2,324
2,160
2,002
1,844
1,700
1,565
1,463
1,375
1,291
1,213
1,140
1,066
994
926
858
791
723
655
587
520
454
388
329
281
234
186
139
91
44

139

186

234

281

329

388

454

520

587

655

723

791

858

926

994

1,066

1,140

1,213

1,291

1,375

1,463

1,565

1,700

1,844

2,002

2,160

2,324

2,487

2,662

2,852

3,076

1,759

1,910

2,067

2,230

2,396

2,599

1,992

2,229

2,466

2,707

2,957

3,207

3,457

1,582

1,663

1,744

1,825

1,906

318

289

156

183

215

253

Earning Assets

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
371,479
344,315
329,091
331,140
401,486
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0

401,486

331,140

329,091

344,315

371,479

Long-term Assets Other

0
0
0
0
-120,284
0
-124,072
-232,233
-222,397
-221,590
-231,903
-232,588
-215,935
-230,584
-223,377
-252,928
-224,275
-220,616
-238,230
-257,139
-265,136
-260,886
-261,833
545,387
551,641
545,261
522,900
523,839
1,266
-11,359
-11,413
1,018,259
1,001,248
-12,024
-11,350
1,128,928
1,138,057
-10,599
-9,978
1,169,183
1,178,058
-13,095
-11,537
1,312,240
1,304,029
-14,932
-12,171
1,309,474
1,320,704
1,360,692
-8,299
1,387,414
1,388,536
-6,854
-5,665
1,404,487
1,091,197
-4,781
-4,190
1,218,872
-1
-5,685
-5,190
-194,536
61,541
-4,066
-3,288
-4,347
-13,016
-5,091
-5,108
-6,177
-6,877
2,096,767

2,096,767

-6,877

-6,177

-5,108

-5,091

-13,016

-4,347

-3,288

-4,066

61,541

-194,536

-5,190

-5,685

-1

1,218,872

-4,190

-4,781

1,091,197

1,404,487

-5,665

-6,854

1,388,536

1,387,414

-8,299

1,360,692

1,320,704

1,309,474

-12,171

-14,932

1,304,029

1,312,240

-11,537

-13,095

1,178,058

1,169,183

-9,978

-10,599

1,138,057

1,128,928

-11,350

-12,024

1,001,248

1,018,259

-11,413

-11,359

1,266

523,839

522,900

545,261

551,641

545,387

-261,833

-260,886

-265,136

-257,139

-238,230

-220,616

-224,275

-252,928

-223,377

-230,584

-215,935

-232,588

-231,903

-221,590

-222,397

-232,233

-124,072

-120,284

> Total Liabilities

601,695
0
0
0
667,459
712,035
712,035
687,883
705,723
723,539
758,423
776,954
793,396
838,556
861,066
867,816
856,613
851,726
879,628
890,494
900,374
914,881
931,304
938,024
935,801
935,554
952,174
949,389
1,243,375
1,228,295
1,214,119
1,213,367
1,205,869
1,188,647
1,197,660
1,387,881
1,407,506
1,398,268
1,412,066
1,427,497
1,435,264
1,593,385
1,588,728
1,589,231
1,596,135
1,607,171
1,579,960
1,583,246
1,602,491
1,642,937
1,643,546
1,648,464
1,654,604
1,678,103
1,652,177
1,611,947
1,609,919
1,619,280
1,761,510
1,815,432
1,702,118
1,674,665
1,771,181
1,622,957
1,659,614
1,660,727
1,652,854
1,633,126
1,649,480
1,711,051
1,766,720
399,989
374,652
2,004,714

2,004,714

374,652

399,989

1,766,720

1,711,051

1,649,480

1,633,126

1,652,854

1,660,727

1,659,614

1,622,957

1,771,181

1,674,665

1,702,118

1,815,432

1,761,510

1,619,280

1,609,919

1,611,947

1,652,177

1,678,103

1,654,604

1,648,464

1,643,546

1,642,937

1,602,491

1,583,246

1,579,960

1,607,171

1,596,135

1,589,231

1,588,728

1,593,385

1,435,264

1,427,497

1,412,066

1,398,268

1,407,506

1,387,881

1,197,660

1,188,647

1,205,869

1,213,367

1,214,119

1,228,295

1,243,375

949,389

952,174

935,554

935,801

938,024

931,304

914,881

900,374

890,494

879,628

851,726

856,613

867,816

861,066

838,556

793,396

776,954

758,423

723,539

705,723

687,883

712,035

667,459

601,695

> Total Current Liabilities

0
0
0
0
35,299
0
20,000
33,031
34,230
32,339
30,585
44,526
39,510
73,162
61,290
68,153
48,091
61,013
15,000
0
14,719
11,856
0
655,369
4,000
10,000
10,000
11,000
43,281
84,500
33,038
32,212
23,000
33,000
38,000
78,749
108,020
110,879
110,001
120,856
91,339
84,052
126,243
153,162
129,460
174,918
120,951
145,665
137,446
214,036
241,345
220,006
179,773
239,824
198,293
121,297
107,701
104,719
238,898
138,713
111,713
569
5,190
1,592,721
4,613
1,634,734
1,620,906
225,000
230,810
305,582
301,478
399,989
374,652
1,282,157

1,282,157

374,652

399,989

301,478

305,582

230,810

225,000

1,620,906

1,634,734

4,613

1,592,721

5,190

569

111,713

138,713

238,898

104,719

107,701

121,297

198,293

239,824

179,773

220,006

241,345

214,036

137,446

145,665

120,951

174,918

129,460

153,162

126,243

84,052

91,339

120,856

110,001

110,879

108,020

78,749

38,000

33,000

23,000

32,212

33,038

84,500

43,281

11,000

10,000

4,000

655,369

11,856

14,719

15,000

61,013

48,091

68,153

61,290

73,162

39,510

44,526

30,585

32,339

34,230

33,031

20,000

35,299

Short-term Debt

0
0
0
0
35,299
0
20,000
33,031
34,230
32,339
30,585
44,526
39,510
73,162
61,290
68,153
48,091
61,013
15,000
0
14,719
11,856
0
0
4,000
10,000
10,000
11,000
43,281
84,500
33,038
32,212
23,000
33,000
38,000
78,749
108,020
110,879
110,001
120,856
91,339
84,052
126,243
153,162
129,460
174,918
120,951
145,665
137,446
214,036
241,345
220,006
179,773
239,824
198,293
121,297
107,701
104,719
238,898
138,713
111,713
569
0
0
0
0
0
225,000
230,810
305,582
301,478
399,989
374,652
361,500

361,500

374,652

399,989

301,478

305,582

230,810

225,000

569

111,713

138,713

238,898

104,719

107,701

121,297

198,293

239,824

179,773

220,006

241,345

214,036

137,446

145,665

120,951

174,918

129,460

153,162

126,243

84,052

91,339

120,856

110,001

110,879

108,020

78,749

38,000

33,000

23,000

32,212

33,038

84,500

43,281

11,000

10,000

4,000

11,856

14,719

15,000

61,013

48,091

68,153

61,290

73,162

39,510

44,526

30,585

32,339

34,230

33,031

20,000

35,299

Short Long Term Debt

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
259,320
0
0
0
320,440
0
356,844
393,763
360,061
390,489
320,119
343,833
89,075
368,804
380,779
351,125
75,247
0
198,293
121,297
107,701
104,719
238,898
138,713
111,713
569
0
0
0
0
0
225,000
230,810
305,582
301,478
399,989
374,652
361,500

361,500

374,652

399,989

301,478

305,582

230,810

225,000

569

111,713

138,713

238,898

104,719

107,701

121,297

198,293

75,247

351,125

380,779

368,804

89,075

343,833

320,119

390,489

360,061

393,763

356,844

320,440

259,320

Accounts payable

374,759
0
0
0
402,153
448,570
418,815
397,480
384,716
372,894
369,408
370,677
370,529
373,808
399,346
401,239
408,855
400,168
482,527
515,873
540,410
581,270
632,213
655,369
637,924
640,344
675,870
688,897
995,634
967,892
1,004,032
1,010,500
1,041,059
996,391
998,430
1,143,095
1,133,889
1,106,454
1,103,797
1,075,553
1,096,754
1,240,170
1,210,106
1,169,340
1,214,820
1,192,941
1,238,375
1,216,462
1,274,861
1,251,021
1,239,353
1,269,866
1,336,855
1,307,917
1,293,883
1,331,583
1,342,830
1,349,364
1,327,613
1,484,835
1,543,696
1,630,334
1,740,140
1,590,072
1,636,115
1,634,734
1,620,906
1,371,325
1,380,021
1,369,984
0
0
0
0

1,369,984

1,380,021

1,371,325

1,620,906

1,634,734

1,636,115

1,590,072

1,740,140

1,630,334

1,543,696

1,484,835

1,327,613

1,349,364

1,342,830

1,331,583

1,293,883

1,307,917

1,336,855

1,269,866

1,239,353

1,251,021

1,274,861

1,216,462

1,238,375

1,192,941

1,214,820

1,169,340

1,210,106

1,240,170

1,096,754

1,075,553

1,103,797

1,106,454

1,133,889

1,143,095

998,430

996,391

1,041,059

1,010,500

1,004,032

967,892

995,634

688,897

675,870

640,344

637,924

655,369

632,213

581,270

540,410

515,873

482,527

400,168

408,855

401,239

399,346

373,808

370,529

370,677

369,408

372,894

384,716

397,480

418,815

448,570

402,153

374,759

Other Current Liabilities

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
655,369
637,924
640,344
675,870
688,897
-11,336
967,892
1,004,032
1,010,500
-11,183
996,391
998,430
1,143,095
-12,027
1,106,454
1,103,797
1,075,553
-11,149
1,240,170
1,210,106
1,169,340
-11,885
1,192,941
1,238,375
1,216,462
-10,422
1,251,021
1,239,353
1,269,866
-8,441
1,307,917
1,293,883
1,331,583
-5,122
1,349,364
1,327,613
1,484,835
-5,993
1,630,334
5,190
1,590,072
1,636,115
1,634,734
1,620,906
-4,347
-5,375
-5,091
-301,478
-399,989
-374,652
920,657

920,657

-374,652

-399,989

-301,478

-5,091

-5,375

-4,347

1,620,906

1,634,734

1,636,115

1,590,072

5,190

1,630,334

-5,993

1,484,835

1,327,613

1,349,364

-5,122

1,331,583

1,293,883

1,307,917

-8,441

1,269,866

1,239,353

1,251,021

-10,422

1,216,462

1,238,375

1,192,941

-11,885

1,169,340

1,210,106

1,240,170

-11,149

1,075,553

1,103,797

1,106,454

-12,027

1,143,095

998,430

996,391

-11,183

1,010,500

1,004,032

967,892

-11,336

688,897

675,870

640,344

637,924

655,369

> Long-term Liabilities

0
0
0
0
224,000
0
237,000
9,372
279,697
309,697
348,947
348,847
373,247
381,247
389,107
392,792
391,884
383,711
374,980
368,481
336,822
313,948
286,657
269,657
284,410
273,410
252,910
234,410
191,460
159,460
158,060
145,160
129,260
145,760
145,550
145,550
151,300
165,229
179,960
208,805
229,101
249,101
230,601
240,601
230,601
215,571
199,168
198,168
174,168
154,768
139,434
131,119
118,723
112,373
139,673
132,673
140,581
137,960
161,762
150,827
14,164
14,164
31,041
32,885
1,655,001
25,993
31,948
1,408,126
230,810
305,582
301,478
1,565,627
1,698,886
722,557

722,557

1,698,886

1,565,627

301,478

305,582

230,810

1,408,126

31,948

25,993

1,655,001

32,885

31,041

14,164

150,827

161,762

137,960

140,581

132,673

139,673

112,373

118,723

131,119

139,434

154,768

174,168

198,168

199,168

215,571

230,601

240,601

230,601

249,101

229,101

208,805

179,960

165,229

151,300

145,550

145,760

129,260

145,160

158,060

159,460

191,460

234,410

252,910

273,410

284,410

269,657

286,657

313,948

336,822

368,481

374,980

383,711

391,884

392,792

389,107

381,247

373,247

348,847

348,947

309,697

279,697

9,372

237,000

224,000

Long term Debt Total

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
269,657
284,410
273,410
252,910
234,410
191,460
159,460
158,060
145,160
129,260
145,760
145,550
145,550
151,300
165,229
179,960
208,805
229,101
249,101
230,601
240,601
230,601
215,571
199,168
198,168
174,168
154,768
139,434
131,119
118,723
112,373
139,673
132,673
140,581
137,960
161,762
150,827
14,164
14,164
0
0
0
0
0
0
0
0
0
0
0
0

14,164

150,827

161,762

137,960

140,581

132,673

139,673

112,373

118,723

131,119

139,434

154,768

174,168

198,168

199,168

215,571

230,601

240,601

230,601

249,101

229,101

208,805

179,960

165,229

151,300

145,550

145,760

129,260

145,160

158,060

159,460

191,460

234,410

252,910

273,410

284,410

269,657

Long-term Liabilities Other

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
12,998
9,467
11,800
13,394
15,082
13,000
16,443
18,989
25,495
12,550
13,496
15,680
20,487
14,297
15,706
18,308
22,283
18,070
20,062
21,778
26,128
21,254
23,741
21,466
22,951
16,016
23,112
23,414
27,473
19,253
17,989
20,328
26,394
18,807
27,237
33,237
41,057
32,545
29,598
31,041
32,885
23,499
25,993
31,948
36,801
29,473
27,114
29,032
0
0
0

29,032

27,114

29,473

36,801

31,948

25,993

23,499

32,885

31,041

29,598

32,545

41,057

33,237

27,237

18,807

26,394

20,328

17,989

19,253

27,473

23,414

23,112

16,016

22,951

21,466

23,741

21,254

26,128

21,778

20,062

18,070

22,283

18,308

15,706

14,297

20,487

15,680

13,496

12,550

25,495

18,989

16,443

13,000

15,082

13,394

11,800

9,467

12,998

> Total Stockholder Equity

54,371
0
0
0
58,337
59,212
59,212
204,372
204,692
207,097
209,387
207,903
200,086
194,123
189,568
185,126
185,506
182,231
179,064
176,659
171,623
166,160
162,568
164,599
161,679
161,517
162,030
163,674
175,411
177,347
171,757
165,050
166,446
166,549
167,734
171,297
167,309
169,486
172,505
171,327
171,280
170,028
174,561
177,450
176,344
171,439
178,769
180,551
182,727
179,479
177,378
178,810
179,186
184,775
183,637
188,077
189,508
191,363
193,666
193,685
191,397
194,153
198,608
199,252
201,822
207,619
212,713
213,263
212,337
216,178
218,799
218,684
219,708
220,724

220,724

219,708

218,684

218,799

216,178

212,337

213,263

212,713

207,619

201,822

199,252

198,608

194,153

191,397

193,685

193,666

191,363

189,508

188,077

183,637

184,775

179,186

178,810

177,378

179,479

182,727

180,551

178,769

171,439

176,344

177,450

174,561

170,028

171,280

171,327

172,505

169,486

167,309

171,297

167,734

166,549

166,446

165,050

171,757

177,347

175,411

163,674

162,030

161,517

161,679

164,599

162,568

166,160

171,623

176,659

179,064

182,231

185,506

185,126

189,568

194,123

200,086

207,903

209,387

207,097

204,692

204,372

59,212

58,337

54,371

Common Stock

0
0
0
0
0
0
0
170
170
170
170
170
170
170
170
170
170
170
170
170
170
170
170
170
170
170
170
170
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181
181

181

170

Retained Earnings

54,371
0
0
0
58,526
59,387
59,387
51,682
53,400
55,097
56,751
58,092
58,227
59,414
60,393
61,583
62,337
62,464
63,411
63,844
64,272
64,685
65,309
65,973
67,215
67,555
67,664
67,910
65,181
67,455
68,918
70,225
71,709
73,169
73,912
75,781
77,413
79,280
80,772
82,289
83,658
84,684
85,875
87,048
87,638
88,628
89,299
90,100
91,147
88,546
90,179
92,011
94,112
96,030
97,821
99,806
102,465
105,012
107,265
109,912
112,612
115,645
118,769
121,603
124,342
127,784
131,201
134,767
139,139
142,542
145,762
148,693
151,856
155,247

155,247

151,856

148,693

145,762

142,542

139,139

134,767

131,201

127,784

124,342

121,603

118,769

115,645

112,612

109,912

107,265

105,012

102,465

99,806

97,821

96,030

94,112

92,011

90,179

88,546

91,147

90,100

89,299

88,628

87,638

87,048

85,875

84,684

83,658

82,289

80,772

79,280

77,413

75,781

73,912

73,169

71,709

70,225

68,918

67,455

65,181

67,910

67,664

67,555

67,215

65,973

65,309

64,685

64,272

63,844

63,411

62,464

62,337

61,583

60,393

59,414

58,227

58,092

56,751

55,097

53,400

51,682

59,387

58,526

54,371

Capital Surplus

0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
166,208
166,758
167,300
167,831
168,389
181,220
181,748
182,288
182,374
182,440
182,506
182,586
182,642
182,486
182,520
182,580
182,358
182,295
182,371
182,021
182,063
181,900
181,072
180,729
180,772
180,764
180,532
180,466
180,537
180,765
180,631
180,857
180,990
181,161
181,056
181,218
181,366
181,487
181,199
181,353
181,500
181,659
181,634
181,816
181,984
182,173
182,182
182,377
0
0
0

182,377

182,182

182,173

181,984

181,816

181,634

181,659

181,500

181,353

181,199

181,487

181,366

181,218

181,056

181,161

180,990

180,857

180,631

180,765

180,537

180,466

180,532

180,764

180,772

180,729

181,072

181,900

182,063

182,021

182,371

182,295

182,358

182,580

182,520

182,486

182,642

182,586

182,506

182,440

182,374

182,288

181,748

181,220

168,389

167,831

167,300

166,758

166,208

Treasury Stock

-99,401

-99,800

-98,071

-97,767

-98,127

-96,376

-93,785

-92,338

-91,477

-90,396

-88,418

-85,845

-85,216

-83,864

-77,259

-77,707

-77,512

-78,225

-79,420

-79,891

-79,910

-80,129

-81,486

-82,369

-82,482

-82,679

-83,133

-82,832

-82,105

-81,916

-81,798

-80,113

-77,445

-76,793

-76,313

-76,117

-73,112

-69,034

-62,353

-61,944

-61,612

-55,436

-53,346

-48,714

-44,870

-40,295

-35,754

-31,287

-27,695

-38,687

-32,040

-24,176

-15,545

-12,906

-13,019

-13,132

-13,283

Other Stockholders Equity

0
0
0
0
0
0
0
166,769
166,782
166,802
166,819
164,577
157,166
149,025
129,052
122,982
122,209
119,296
115,519
111,653
107,733
104,596
100,642
99,221
93,708
94,363
95,007
95,347
108,291
108,523
102,495
98,617
95,791
95,774
95,487
95,004
92,294
90,756
90,811
90,513
89,836
89,725
89,942
90,294
90,357
90,525
91,653
92,028
92,153
92,508
93,753
94,653
94,803
95,230
88,964
89,210
88,142
87,522
85,224
83,507
82,660
81,624
80,436
78,105
76,617
77,065
77,360
77,338
75,911
76,432
76,740
76,993
77,164
72,582

72,582

77,164

76,993

76,740

76,432

75,911

77,338

77,360

77,065

76,617

78,105

80,436

81,624

82,660

83,507

85,224

87,522

88,142

89,210

88,964

95,230

94,803

94,653

93,753

92,508

92,153

92,028

91,653

90,525

90,357

90,294

89,942

89,725

89,836

90,513

90,811

90,756

92,294

95,004

95,487

95,774

95,791

98,617

102,495

108,523

108,291

95,347

95,007

94,363

93,708

99,221

100,642

104,596

107,733

111,653

115,519

119,296

122,209

122,982

129,052

149,025

157,166

164,577

166,819

166,802

166,782

166,769

Balance Sheet

Currency in USD. All numbers in thousands.

	2023-09-30	2022-09-30	2021-09-30	2020-09-30	2019-09-30	2018-09-30	2017-09-30	2016-09-30	2015-09-30	2014-09-30	2013-09-30	2012-09-30	2011-09-30	2010-09-30	2009-09-30	2008-09-30	2007-09-30	2006-09-30	2005-09-30	2004-09-30	2003-09-30	2002-09-30
Accounts Payable	0	1,380,021	1,636,115	1,543,696	1,342,830	1,336,855	1,274,861	1,214,820	1,096,754	1,133,889	1,041,059	995,634	637,924	540,410	408,855	370,529	384,716	402,153	374,759	-	-	-
Accumulated Amortization	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Accumulated Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Accumulated Other Comprehensive Income	-9,493	-2,894	682	-4,056	-1,280	-9,910	-754	-1,832	-2,395	-2,579	-1,235	1,758	586	-552	790	-15,477	-15,660	-189	-201	-	-	-
Additional Paid In Capital	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Capital Lease Obligations	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Capital Stock	181	181	181	181	181	181	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Capital Surpluse	0	182,173	181,659	181,487	181,161	180,765	180,764	181,900	182,295	182,486	182,440	181,220	166,758	0	0	0	0	0	0	-	-	-
Cash	85,402	27,937	158,946	155,917	52,242	44,039	42,183	44,908	20,508	24,068	28,415	15,550	41,694	10,890	18,593	16,391	16,779	12,730	20,290	21,458	27,617	27,617
Cash And Equivalents	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Cash And Short Term Investments	419,458	236,584	399,527	368,401	365,635	415,477	432,635	435,318	399,915	407,146	344,037	15,550	41,694	10,890	18,593	16,391	16,779	12,730	20,290	21,458	27,617	27,617
Common Stock	181	181	181	181	181	181	181	181	181	181	181	181	170	170	170	170	170	0	0	-	-	-
Common Stock Shares Outstanding	9,725	9,765	9,948	10,347	10,733	10,834	10,663	10,519	10,543	10,821	11,560	11,051	11,488	12,533	13,949	15,977	16,984	16,882	16,882	16,882	16,882	16,882
Common Stock Total Equity	0	181	181	181	181	181	181	181	181	181	181	181	170	170	170	170	170	0	0	-	-	-
Current Deferred Revenue	0	5,375	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Deferred Long Term Asset Charges	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Deferred Long Term Liab	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Earning Assets	0	0	0	0	329,091	391,848	410,459	418,966	397,841	0	0	0	0	0	0	0	0	0	0	-	-	-
Good Will	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	10,259	10,259	8,817	8,541	40	0	0	0	0	0	0	-	-	-
Intangible Assets	91	281	520	791	1,066	1,375	1,844	2,487	1,759	2,396	2,466	3,457	1,825	318	289	156	183	215	253	-	-	-
Inventory	-1,769,238	-1,463,749	-1,500,260	-1,574,368	-1,387,360	-1,305,071	-1,236,681	-1,219,213	-1,102,118	-1,058,267	-928,230	-950,355	-738,619	2,034	2,579	0	0	0	19	-	-	-
Liabilities And Stockholders Equity	2,293,246	1,861,817	1,861,436	1,893,515	1,799,427	1,833,790	1,785,218	1,772,479	1,606,544	1,574,815	1,372,315	1,418,786	1,097,480	1,071,997	1,042,119	993,482	910,415	725,796	656,066	592,824	468,055	468,055
Long Term Debt	0	0	0	14,164	140,581	118,723	174,168	230,601	229,101	151,300	129,260	191,460	284,410	246,110	319,007	305,247	231,697	197,000	194,000	-	-	-
Long Term Debt Total	0	0	0	14,164	140,581	118,723	174,168	230,601	229,101	151,300	129,260	191,460	284,410	0	0	0	0	0	0	-	-	-
Long Term Investments	386,298	265,932	262,064	1,630,666	1,642,046	1,305,071	1,236,681	1,219,213	1,102,118	1,058,267	928,230	950,355	738,619	0	0	0	0	0	0	-	-	-
Negative Goodwill	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Net Debt	289,250	202,873	-152,576	-30,040	196,040	254,457	269,431	315,153	299,932	235,252	123,845	219,191	246,716	340,651	421,382	396,366	297,148	246,569	201,189	-21,458	-27,617	-27,617
Net Invested Capital	594,360	443,147	0	317,274	437,790	477,682	494,341	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Net Receivables	1,680,525	1,435,783	1,340,853	1,418,182	1,328,653	1,305,071	1,236,681	1,219,213	1,102,118	1,058,267	928,230	950,355	738,619	730,842	733,580	706,890	619,845	556,677	508,981	-	-	-
Net Tangible Assets	0	198,255	187,501	176,805	174,641	164,010	167,082	160,056	159,262	154,654	155,163	163,413	159,814	0	0	0	0	0	0	-	-	-
Net Working Capital	44,806	5,774	-997,236	256,688	257,934	1,252,802	1,225,441	1,219,477	1,107,227	1,054,105	1,006,663	1,016,486	834,728	975,918	910,158	879,840	801,486	534,108	501,792	-	-	-
Non Current Assets Total	413,103	293,140	289,990	241,306	342,595	401,215	422,331	423,542	407,978	412,690	342,652	359,019	258,752	12,189	10,620	10,662	11,277	120,284	95,571	66,781	39,619	39,619
Non Current Liabilities Other	0	29,473	23,499	32,545	18,807	19,253	16,016	21,254	18,070	14,297	12,550	13,000	9,467	0	0	0	0	0	0	-	-	-
Non Current Liabilities Total	1,698,886	230,810	267,776	14,164	140,581	118,723	174,168	230,601	229,101	151,300	129,260	191,460	284,410	336,822	391,884	373,247	279,697	224,000	194,000	-	-	-
Non Currrent Assets Other	-6,877	-5,375	-4,613	-5,993	-5,122	-8,441	-10,422	-11,885	-11,149	-12,027	-11,183	-10,070	551,641	-265,136	-224,275	-215,935	-222,397	-120,284	-95,571	-66,781	-39,619	-39,619
Noncontrolling Interest In Consolidated Entity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Other Assets	1,460,685	1,332,093	1,171,919	1,283,808	1,091,197	2,235,005	2,207,549	2,196,021	2,014,522	1,987,505	1,714,967	1,777,805	1,356,232	69,171	73,250	63,470	63,422	36,105	31,224	504,585	400,819	400,819
Other Current Assets	88,713	27,966	159,407	156,186	58,707	1,017,098	930,252	913,619	798,651	754,979	685,626	1,044,217	797,034	0	0	0	0	0	0	-	-	-
Other Current Liab	-374,652	-5,375	1,395,950	-111,713	-107,701	8,441	10,422	1,214,820	1,096,754	1,133,889	1,041,059	995,634	637,924	0	0	0	0	0	0	-	-	-
Other Liab	0	23,198	23,499	18,382	17,796	19,253	16,016	21,254	18,070	14,297	12,550	13,000	9,467	9,888	9,160	10,110	7,080	6,007	5,457	-	-	-
Other Stockholder Equity	77,164	75,911	76,617	82,660	88,142	94,803	92,153	90,357	89,836	92,294	95,791	108,291	93,708	107,733	122,209	157,166	166,782	0	0	50,260	42,219	42,219
Preferred Stock Redeemable	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Preferred Stock Total Equity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Property Plant And Equipment Gross	36,784	36,073	35,974	14,230	14,335	14,601	16,234	16,844	16,553	16,957	15,747	16,170	11,494	12,189	10,620	10,662	11,277	11,447	11,560	11,444	-	6,223
Property Plant And Equipment Net	12,913	13,126	13,605	14,230	14,335	14,601	16,234	16,844	16,553	16,957	15,747	16,170	11,494	12,189	10,620	10,662	11,277	11,447	11,560	11,444	6,223	6,223
Property Plant Equipment	0	13,155	13,605	14,499	14,575	15,742	17,658	19,503	19,033	19,716	17,858	19,168	11,494	12,189	10,620	10,662	11,277	11,447	11,560	-	-	-
Retained Earnings	151,856	139,139	124,342	112,612	102,465	94,112	91,147	87,638	83,658	77,413	71,709	65,181	67,215	64,272	62,337	58,227	53,400	58,526	54,572	-	-	-
Retained Earnings Total Equity	0	139,139	124,342	112,612	102,465	94,112	91,147	87,638	83,658	77,413	71,709	65,181	67,215	0	0	0	0	0	0	-	-	-
Short Long Term Debt	374,652	230,810	0	111,713	107,701	179,773	137,446	129,460	320,440	259,320	0	0	0	0	0	0	0	0	0	-	-	-
Short Long Term Debt Total	374,652	230,810	6,370	125,877	248,282	298,496	311,614	360,061	320,440	259,320	152,260	234,741	288,410	351,541	439,975	412,757	313,927	259,299	221,479	-	-	-
Short Term Debt	374,652	230,810	813	111,713	107,701	179,773	137,446	129,460	91,339	108,020	23,000	43,281	4,000	14,719	48,091	39,510	34,230	35,299	27,479	-	-	-
Short Term Investments	334,056	208,647	240,581	212,484	313,393	371,438	390,452	390,410	379,407	383,078	315,622	329,585	245,393	252,341	217,566	204,078	205,267	1,053	8,050	-	-	-
Temporary Equity Redeemable Noncontrolling Interests	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Total Assets	2,293,246	1,861,817	1,861,436	1,893,515	1,799,427	1,833,790	1,785,218	1,772,479	1,606,544	1,574,815	1,372,315	1,418,786	1,097,480	1,071,997	1,042,119	993,482	910,415	725,796	656,066	592,824	468,055	468,055
Total Current Assets	419,458	236,584	399,527	368,401	365,635	1,432,575	1,362,887	1,348,937	1,198,566	1,162,125	1,029,663	1,059,767	838,728	990,637	958,249	919,350	835,716	569,407	529,271	21,458	27,617	27,617
Total Current Liabilities	374,652	230,810	1,396,763	111,713	107,701	179,773	137,446	129,460	91,339	108,020	23,000	43,281	4,000	14,719	48,091	39,510	34,230	35,299	27,479	-	-	-
Total Liab	374,652	1,649,480	1,664,539	1,702,118	1,609,919	1,654,604	1,602,491	1,596,135	1,435,264	1,407,506	1,205,869	1,243,375	935,801	900,374	856,613	793,396	705,723	667,459	601,695	542,564	425,836	425,836
Total Permanent Equity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Total Stockholder Equity	219,708	212,337	201,822	191,397	189,508	179,186	182,727	176,344	171,280	167,309	166,446	175,411	161,679	171,623	185,506	200,086	204,692	58,337	54,371	50,260	42,219	42,219
Treasury Stock	0	-99,800	-98,127	-91,477	-85,216	-77,707	-79,891	-82,369	-82,832	-80,113	-76,117	-61,944	-61,612	-44,870	-27,695	-15,545	-13,283	0	0	-	-	-
Warrants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-

	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31	2006-09-30	2006-06-30	2006-03-31	2005-12-31	2005-09-30
Accounts Payable	0	0	0	0	1,369,984	1,380,021	1,371,325	1,620,906	1,634,734	1,636,115	1,590,072	1,740,140	1,630,334	1,543,696	1,484,835	1,327,613	1,349,364	1,342,830	1,331,583	1,293,883	1,307,917	1,336,855	1,269,866	1,239,353	1,251,021	1,274,861	1,216,462	1,238,375	1,192,941	1,214,820	1,169,340	1,210,106	1,240,170	1,096,754	1,075,553	1,103,797	1,106,454	1,133,889	1,143,095	998,430	996,391	1,041,059	1,010,500	1,004,032	967,892	995,634	688,897	675,870	640,344	637,924	655,369	632,213	581,270	540,410	515,873	482,527	400,168	408,855	401,239	399,346	373,808	370,529	370,677	369,408	372,894	384,716	397,480	418,815	448,570	402,153	0	0	0	374,759
Accumulated Amortization	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Accumulated Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Accumulated Other Comprehensive Income	-7,286	-9,493	-7,183	-3,884	-2,977	-2,894	977	3,971	2,589	682	-637	-778	-3,297	-4,056	85	996	-1,352	-1,280	-1,120	-3,329	-6,666	-9,910	-8,035	-6,735	-1,756	-754	-1,758	-2,364	-7,895	-1,832	-73	-1,437	-4,562	-2,395	-1,656	741	-731	-2,579	331	-1,846	-2,575	-1,235	-3,973	163	1,188	1,758	247	-811	-571	586	-765	-3,553	-3,291	-552	992	-36	301	790	391	-47	-14,486	-15,477	-14,936	-14,353	-14,972	-15,660	-14,249	-175	0	-189	0	0	0	0
Additional Paid In Capital	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Capital Lease Obligations	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Capital Stock	181	181	181	181	181	181	181	181	181	181	181	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Capital Surpluse	0	0	0	182,377	182,182	182,173	181,984	181,816	181,634	181,659	181,500	181,353	181,199	181,487	181,366	181,218	181,056	181,161	180,990	180,857	180,631	180,765	180,537	180,466	180,532	180,764	180,772	180,729	181,072	181,900	182,063	182,021	182,371	182,295	182,358	182,580	182,520	182,486	182,642	182,586	182,506	182,440	182,374	182,288	181,748	181,220	168,389	167,831	167,300	166,758	166,208	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash	47,180	85,402	95,182	24,541	28,772	27,937	83,121	190,197	198,421	158,946	185,400	310,937	217,214	155,917	170,844	173,519	42,552	52,242	40,948	41,409	40,150	44,039	38,407	35,304	39,285	42,183	34,559	37,443	40,851	44,908	27,478	25,383	27,228	20,508	19,442	18,362	22,218	24,068	25,247	42,429	16,584	28,415	22,092	25,726	21,683	15,550	22,784	23,065	29,064	41,694	21,797	20,209	7,346	10,890	25,704	25,915	18,072	18,593	10,425	22,203	26,227	16,391	19,908	18,797	19,461	16,779	21,107	38,959	38,959	12,730	0	0	0	12,240
Cash And Equivalents	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash And Short Term Investments	321,450	419,458	383,165	227,831	233,960	236,584	284,003	353,564	370,575	399,527	333,570	472,177	391,290	368,401	466,072	479,926	355,320	365,635	366,275	390,026	416,204	415,477	409,516	412,679	430,487	432,635	422,167	432,758	432,964	435,318	421,001	414,986	420,800	399,915	400,817	401,712	403,161	407,146	400,271	356,758	332,413	344,037	332,713	340,687	353,208	15,550	22,784	23,065	29,064	41,694	21,797	20,209	7,346	10,890	25,704	25,915	18,072	18,593	10,425	22,203	26,227	16,391	19,908	18,797	19,461	16,779	21,107	38,959	0	12,730	0	0	0	0
Common Stock	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	170	170	170	170	170	170	170	170	170	170	170	170	170	170	170	170	170	170	170	170	170	0	0	0	0	0	0	0
Common Stock Shares Outstanding	9,637	9,751	9,735	9,721	9,706	9,716	9,790	9,769	9,772	9,739	9,908	10,035	10,074	10,159	10,261	10,473	10,482	10,563	10,574	10,826	10,951	10,946	10,923	10,822	10,717	10,766	10,743	10,692	10,604	10,579	10,553	10,525	10,536	10,551	10,565	10,521	10,516	10,705	10,838	10,860	10,906	10,955	11,410	11,764	12,088	11,633	10,857	10,841	10,808	11,035	11,351	11,686	11,860	12,197	12,520	16,981	13,077	13,519	13,469	14,049	14,602	15,233	16,047	15,036	15,427	16,984	16,984	16,882	16,882	16,882	16,882	16,882	16,882	0
Common Stock Total Equity	0	0	0	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	181	170	170	170	170	170	170	170	170	170	170	170	170	170	170	170	170	170	170	170	170	170	0	0	0	0	0	0	0
Current Deferred Revenue	0	0	0	0	5,091	5,375	4,347	0	0	4,613	0	0	0	5,993	0	0	0	5,122	0	0	0	8,441	0	0	0	10,422	0	0	0	11,885	0	0	0	11,149	0	0	0	12,027	0	0	0	11,183	0	0	0	11,336	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Deferred Long Term Asset Charges	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Deferred Long Term Liab	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Earning Assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	401,486	331,140	329,091	344,315	371,479	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Good Will	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	13,801	10,259	10,259	10,259	10,259	10,259	10,259	10,259	8,817	8,817	8,817	8,541	8,541	8,541	413	40	40	40	40	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Intangible Assets	44	91	139	186	234	281	329	388	454	520	587	655	723	791	858	926	994	1,066	1,140	1,213	1,291	1,375	1,463	1,565	1,700	1,844	2,002	2,160	2,324	2,487	2,662	2,852	3,076	1,759	1,910	2,067	2,230	2,396	2,599	1,992	2,229	2,466	2,707	2,957	3,207	3,457	1,582	1,663	1,744	1,825	1,906	0	0	318	0	0	0	289	0	0	0	156	0	0	0	183	0	0	0	215	0	0	0	253
Inventory	-2,026,178	-1,769,238	-1,709,794	-1,597,425	-1,533,198	-1,463,749	75	85	-1,339,301	-1,340,853	373	-1,386,805	-1,375,295	-1,418,182	412	-1,358,167	-1,345,311	-1,328,653	514	-1,335,197	-1,334,304	-1,305,071	1,377	-1,291,262	1,365	-1,236,681	2,859	-1,208,497	-1,224,021	-1,219,213	2,244	-1,235,613	-1,228,007	-1,102,118	2,595	-1,078,495	-1,059,158	-1,058,267	2,967	-906,356	-922,286	-928,230	1,693	-938,782	-940,275	-950,355	1,769	-741,617	-742,100	-738,619	2,039	3,160	2,393	2,034	2,141	1,801	1,745	2,579	2,698	2,144	2,150	0	0	0	0	0	0	0	0	0	0	0	0	19
Liabilities And Stockholders Equity	2,225,438	2,293,246	2,184,300	1,985,519	1,927,229	1,861,817	1,846,389	1,865,567	1,868,346	1,861,436	1,822,209	1,969,789	1,868,818	1,893,515	2,009,117	1,955,176	1,810,643	1,799,427	1,800,024	1,835,814	1,862,878	1,833,790	1,827,274	1,820,924	1,822,416	1,785,218	1,763,797	1,758,729	1,778,610	1,772,479	1,766,681	1,763,289	1,763,413	1,606,544	1,598,824	1,584,571	1,567,754	1,574,815	1,559,178	1,365,394	1,355,196	1,372,315	1,378,417	1,385,876	1,405,642	1,418,786	1,113,063	1,114,204	1,097,071	1,097,480	1,102,623	1,093,872	1,081,041	1,071,997	1,067,153	1,058,692	1,033,957	1,042,119	1,052,942	1,050,634	1,032,679	993,482	984,857	967,810	930,636	910,415	892,255	771,247	771,247	725,796	0	0	0	0
Long Term Debt	10,000	0	0	0	0	0	0	0	0	0	0	0	14,164	14,164	150,827	161,762	137,960	140,581	132,673	139,673	112,373	118,723	131,119	139,434	154,768	174,168	198,168	199,168	215,571	230,601	240,601	230,601	249,101	229,101	208,805	179,960	165,229	151,300	145,550	145,550	145,760	129,260	145,160	158,060	159,460	191,460	234,410	252,910	273,410	284,410	269,657	286,657	310,657	335,357	362,257	370,757	380,707	390,507	386,507	389,107	381,247	373,247	348,847	348,947	309,697	279,697	248,000	233,000	237,000	224,000	0	0	0	194,000
Long Term Debt Total	0	0	0	0	0	0	0	0	0	0	0	0	14,164	14,164	150,827	161,762	137,960	140,581	132,673	139,673	112,373	118,723	131,119	139,434	154,768	174,168	198,168	199,168	215,571	230,601	240,601	230,601	249,101	229,101	208,805	179,960	165,229	151,300	145,550	145,550	145,760	129,260	145,160	158,060	159,460	191,460	234,410	252,910	273,410	284,410	269,657	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Long Term Investments	339,780	386,298	341,553	258,194	261,213	265,932	259,674	223,741	227,901	262,064	166,152	1,555,053	1,549,994	1,630,666	1,718,360	1,664,574	1,658,079	1,642,046	1,651,950	1,683,814	1,710,358	1,305,071	1,301,589	1,291,262	1,276,335	1,236,681	1,224,206	1,208,497	1,224,021	1,219,213	1,233,479	1,235,613	1,228,007	1,102,118	1,092,527	1,078,495	1,059,158	1,058,267	1,050,125	906,356	922,286	928,230	942,794	938,782	942,371	950,355	741,200	741,617	742,100	738,619	751,243	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Negative Goodwill	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Debt	324,320	289,250	304,807	276,937	276,810	202,873	141,879	-190,197	-198,421	-158,946	-185,400	-310,937	-202,481	-30,040	118,696	227,141	200,127	196,040	213,022	296,557	312,047	254,457	312,718	345,475	329,519	269,431	309,274	282,676	349,638	315,153	366,285	331,461	305,925	299,932	310,219	271,599	253,890	235,252	199,052	141,121	162,176	123,845	155,280	165,372	222,277	219,191	222,626	239,845	254,346	246,716	247,860	266,448	318,458	340,651	342,777	364,065	426,652	421,382	450,520	428,194	428,182	396,366	373,465	360,735	322,575	297,148	21,296	218,041	218,041	246,569	0	0	0	0
Net Invested Capital	592,224	594,360	618,673	520,277	521,760	443,147	438,263	0	0	0	0	0	208,886	317,274	483,225	594,326	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Receivables	1,704,728	1,680,525	1,611,066	1,569,338	1,504,400	1,435,783	1,380,164	1,340,317	1,339,301	1,340,853	0	1,386,805	1,375,295	1,418,182	0	1,358,167	1,345,311	1,328,653	0	1,335,197	1,334,304	1,305,071	0	1,291,262	0	1,236,681	0	1,208,497	1,224,021	1,219,213	0	1,235,613	1,228,007	1,102,118	0	1,078,495	1,059,158	1,058,267	0	906,356	922,286	928,230	0	938,782	940,275	950,355	0	741,617	742,100	738,619	0	744,108	747,822	730,842	0	728,739	729,861	733,580	0	745,596	718,406	706,890	0	660,911	638,959	619,845	0	579,918	0	556,677	0	0	0	0
Net Tangible Assets	0	0	0	204,812	202,143	198,255	199,133	198,524	193,364	187,501	184,864	184,152	179,629	176,805	179,026	178,939	176,568	174,641	173,136	168,623	169,683	164,010	163,546	162,012	163,978	167,082	164,748	162,808	155,314	160,056	160,987	157,908	153,151	159,262	159,158	160,179	156,997	154,654	158,439	155,483	155,503	155,163	153,526	160,259	165,599	163,413	161,679	160,327	159,733	159,814	162,653	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Working Capital	-1,231,782	44,806	-16,824	-73,647	-71,622	5,774	1,423,599	-1,267,342	-22,087	1,566,833	34,952	1,768,659	1,665,463	1,540,497	1,546,231	1,380,747	1,363,988	1,349,131	1,324,138	1,259,567	1,217,460	1,252,802	1,205,815	1,171,234	1,185,941	1,225,441	1,198,368	1,209,963	1,178,780	1,219,477	1,186,556	1,213,605	1,251,388	1,107,227	1,067,769	1,062,056	1,046,494	1,054,105	1,075,426	983,759	979,779	1,006,663	1,008,139	1,010,362	961,769	1,016,486	812,119	813,541	819,071	834,728	167,981	0	990,788	723,577	0	943,141	891,030	692,592	-57,728	905,075	872,905	675,762	-24,618	858,449	824,093	596,219	-11,924	18,959	0	534,108	0	0	0	0
Non Current Assets Total	2,175,063	413,103	368,524	285,317	288,353	293,140	287,015	251,349	255,699	289,990	194,536	195,940	202,786	241,305	324,173	335,531	341,936	342,595	354,589	377,954	405,594	401,215	401,453	408,345	422,439	422,331	419,764	427,815	424,912	423,542	426,963	423,441	427,973	407,978	410,199	412,514	410,381	412,690	405,003	343,635	342,417	342,652	338,066	342,476	359,373	359,019	289,944	290,663	268,000	258,752	279,273	11,858	12,059	12,189	257,139	12,230	11,246	10,620	252,928	10,451	10,605	10,662	232,588	11,040	11,165	11,277	232,233	124,072	0	120,284	0	0	0	0
Non Current Liabilities Other	0	0	0	29,032	27,114	29,473	36,801	31,948	25,993	23,499	32,885	31,041	29,598	32,545	41,057	33,237	27,237	18,807	26,394	20,328	17,989	19,253	27,473	23,414	23,112	16,016	22,951	21,466	23,741	21,254	26,128	21,778	20,062	18,070	22,283	18,308	15,706	14,297	20,487	15,680	13,496	12,550	25,495	18,989	16,443	13,000	15,082	13,394	11,800	9,467	12,998	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Non Current Liabilities Total	722,557	1,698,886	1,565,627	301,478	305,582	230,810	1,408,126	31,948	25,993	1,655,001	32,885	31,041	14,164	14,164	150,827	161,762	137,960	140,581	132,673	139,673	112,373	118,723	131,119	139,434	154,768	174,168	198,168	199,168	215,571	230,601	240,601	230,601	249,101	229,101	208,805	179,960	165,229	151,300	145,550	145,550	145,760	129,260	145,160	158,060	159,460	191,460	234,410	252,910	273,410	284,410	269,657	286,657	313,948	336,822	368,481	374,980	383,711	391,884	392,792	389,107	381,247	373,247	348,847	348,947	309,697	279,697	9,372	237,000	0	224,000	0	0	0	0
Non Currrent Assets Other	2,096,767	-6,877	-6,177	-5,108	-5,091	-13,016	-4,347	-3,288	-4,066	61,541	-194,536	-5,190	-5,685	-1	1,218,872	-4,190	-4,781	1,091,197	1,404,487	-5,665	-6,854	1,388,536	1,387,414	-8,299	1,360,692	1,320,704	1,309,474	-12,171	-14,932	1,304,029	1,312,240	-11,537	-13,095	1,178,058	1,169,183	-9,978	-10,599	1,138,057	1,128,928	-11,350	-12,024	1,001,248	1,018,259	-11,413	-11,359	1,266	523,839	522,900	545,261	551,641	545,387	-261,833	-260,886	-265,136	-257,139	-238,230	-220,616	-224,275	-252,928	-223,377	-230,584	-215,935	-232,588	-231,903	-221,590	-222,397	-232,233	-124,072	0	-120,284	0	0	0	0
Noncontrolling Interest In Consolidated Entity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Assets	167,622	1,460,685	1,432,611	1,472,371	1,404,916	1,332,093	-89,225	1,260,654	2,124,045	2,151,426	2,016,745	2,165,729	2,071,604	2,134,820	2,333,290	2,290,707	2,152,579	2,142,022	2,154,613	2,213,768	2,268,472	2,235,005	2,228,727	2,229,269	2,244,855	2,207,549	2,183,561	2,186,544	2,203,522	2,196,021	2,193,644	2,186,730	2,191,386	2,014,522	2,009,023	1,997,085	1,978,135	1,987,505	1,964,181	1,709,029	1,697,613	1,714,967	1,716,483	1,728,352	1,765,015	1,777,805	1,403,007	1,404,867	1,365,071	1,356,232	1,381,896	77,990	66,338	321,512	784,310	88,321	70,668	290,816	789,589	73,818	76,007	267,548	732,361	67,736	63,039	268,689	638,915	608,216	148,104	36,105	0	0	0	115,216
Other Current Assets	50,375	88,713	98,728	28,087	28,798	27,966	-15,568	-8,206	1,242,072	1,171,919	1,294,103	1,301,672	1,274,742	1,283,809	1,218,872	1,139,719	1,113,387	1,091,197	1,079,160	1,067,834	1,041,080	1,017,098	1,016,305	999,900	969,490	930,252	921,866	898,156	920,734	913,619	918,717	924,862	914,640	798,651	787,808	770,345	754,212	754,979	753,904	665,001	680,366	685,626	707,638	702,713	693,061	1,044,217	800,335	800,476	800,007	797,034	801,553	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Current Liab	920,657	-374,652	-399,989	-301,478	-5,091	-5,375	-4,347	1,620,906	1,634,734	1,636,115	1,590,072	5,190	1,630,334	-5,993	1,484,835	1,327,613	1,349,364	-5,122	1,331,583	1,293,883	1,307,917	-8,441	1,269,866	1,239,353	1,251,021	-10,422	1,216,462	1,238,375	1,192,941	-11,885	1,169,340	1,210,106	1,240,170	-11,149	1,075,553	1,103,797	1,106,454	-12,027	1,143,095	998,430	996,391	-11,183	1,010,500	1,004,032	967,892	-11,336	688,897	675,870	640,344	637,924	655,369	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Liab	0	0	26,311	0	21,061	29,473	36,801	31,948	25,993	23,499	24,542	31,041	29,598	18,382	26,064	21,852	19,306	17,796	25,527	20,084	17,844	19,253	27,473	23,414	23,112	16,016	22,951	21,466	23,741	21,254	26,128	21,778	20,062	18,070	22,283	18,308	15,706	14,297	20,487	15,680	13,496	12,550	25,495	18,989	16,443	13,000	15,082	13,394	11,800	9,467	12,998	12,434	11,098	9,888	12,364	11,344	9,838	9,160	11,917	11,323	10,339	10,110	12,904	9,483	8,609	7,080	9,372	195,321	6,465	6,007	0	0	0	5,457
Other Stockholder Equity	72,582	77,164	76,993	76,740	76,432	75,911	77,338	77,360	77,065	76,617	78,105	80,436	81,624	82,660	83,507	85,224	87,522	88,142	89,210	88,964	95,230	94,803	94,653	93,753	92,508	92,153	92,028	91,653	90,525	90,357	90,294	89,942	89,725	89,836	90,513	90,811	90,756	92,294	95,004	95,487	95,774	95,791	98,617	102,495	108,523	108,291	95,347	95,007	94,363	93,708	99,221	100,642	104,596	107,733	111,653	115,519	119,296	122,209	122,982	129,052	149,025	157,166	164,577	166,819	166,802	166,782	166,769	0	0	0	0	0	0	0
Preferred Stock Redeemable	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Total Equity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Property Plant And Equipment Gross	0	36,784	0	0	0	36,073	0	0	0	0	13,996	14,148	14,186	14,230	14,286	14,397	14,373	14,335	14,321	14,323	14,448	14,601	15,080	15,604	15,736	16,234	16,353	16,539	16,674	16,844	16,977	17,185	17,524	16,553	16,655	16,838	16,949	16,957	17,121	17,055	15,542	15,747	15,921	16,017	16,100	16,170	11,453	11,384	11,470	11,494	11,682	11,858	12,059	12,189	12,570	12,230	11,246	10,620	10,762	10,451	10,605	10,662	10,885	11,040	11,165	11,277	11,391	11,408	11,408	11,447	0	0	0	0
Property Plant And Equipment Net	11,936	12,913	13,031	13,136	13,105	13,126	13,211	13,419	13,543	13,605	13,996	14,148	14,186	14,230	14,286	14,397	14,373	14,335	14,321	14,323	14,448	14,601	15,080	15,604	15,736	16,234	16,353	16,539	16,674	16,844	16,977	17,185	17,524	16,553	16,655	16,838	16,949	16,957	17,121	17,055	15,542	15,747	15,921	16,017	16,100	16,170	11,453	11,384	11,470	11,494	11,682	11,858	12,059	12,189	12,570	12,230	11,246	10,620	10,762	10,451	10,605	10,662	10,885	11,040	11,165	11,277	11,391	11,408	0	11,447	0	0	0	0
Property Plant Equipment	0	0	18,690	16,682	13,131	13,126	13,211	13,419	13,543	13,605	20,442	14,542	14,551	14,499	14,698	14,805	14,716	14,575	14,826	14,988	15,324	15,742	16,448	16,883	17,101	17,658	19,212	19,854	19,110	19,503	19,221	19,501	20,228	19,033	19,250	19,317	19,844	19,716	20,088	19,223	18,160	17,858	17,614	17,716	18,603	19,168	13,222	11,384	11,470	11,494	11,682	11,858	12,059	12,189	12,570	12,230	11,246	10,620	10,762	10,451	10,605	10,662	10,885	11,040	11,165	11,277	11,391	11,387	11,408	11,447	0	0	0	11,560
Retained Earnings	155,247	151,856	148,693	145,762	142,542	139,139	134,767	131,201	127,784	124,342	121,603	118,769	115,645	112,612	109,912	107,265	105,012	102,465	99,806	97,821	96,030	94,112	92,011	90,179	88,546	91,147	90,100	89,299	88,628	87,638	87,048	85,875	84,684	83,658	82,289	80,772	79,280	77,413	75,781	73,912	73,169	71,709	70,225	68,918	67,455	65,181	67,910	67,664	67,555	67,215	65,973	65,309	64,685	64,272	63,844	63,411	62,464	62,337	61,583	60,393	59,414	58,227	58,092	56,751	55,097	53,400	51,682	59,387	59,387	58,526	0	0	0	54,371
Retained Earnings Total Equity	0	0	0	145,762	142,542	139,139	134,767	131,201	127,784	124,342	121,603	118,769	115,645	112,612	109,912	107,265	105,012	102,465	99,806	97,821	96,026	94,112	92,011	90,179	88,546	91,147	90,100	89,299	88,628	87,638	87,048	85,875	84,684	83,658	82,289	80,772	79,280	77,413	75,781	73,912	73,169	71,709	70,225	68,918	67,455	65,181	67,910	67,664	67,555	67,215	65,973	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Short Long Term Debt	361,500	374,652	399,989	301,478	305,582	230,810	225,000	0	0	0	0	0	569	111,713	138,713	238,898	104,719	107,701	121,297	198,293	0	75,247	351,125	380,779	368,804	89,075	343,833	320,119	390,489	360,061	393,763	356,844	0	320,440	0	0	0	259,320	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Short Long Term Debt Total	371,500	374,652	399,989	301,478	305,582	230,810	225,000	0	0	0	0	0	14,733	125,877	289,540	400,660	242,679	248,282	253,970	337,966	352,197	298,496	351,125	380,779	368,804	311,614	343,833	320,119	390,489	360,061	393,763	356,844	333,153	320,440	329,661	289,961	276,108	259,320	224,299	183,550	178,760	152,260	177,372	191,098	243,960	234,741	245,410	262,910	283,410	288,410	269,657	286,657	325,804	351,541	368,481	389,980	444,724	439,975	460,945	450,397	454,409	412,757	393,373	379,532	342,036	313,927	42,403	257,000	257,000	259,299	0	0	0	0
Short Term Debt	361,500	374,652	399,989	301,478	305,582	230,810	225,000	0	0	0	0	0	569	111,713	138,713	238,898	104,719	107,701	121,297	198,293	239,824	179,773	220,006	241,345	214,036	137,446	145,665	120,951	174,918	129,460	153,162	126,243	84,052	91,339	120,856	110,001	110,879	108,020	78,749	38,000	33,000	23,000	32,212	33,038	84,500	43,281	11,000	10,000	10,000	4,000	0	0	11,856	14,719	0	15,000	61,013	48,091	68,153	61,290	73,162	39,510	44,526	30,585	32,339	34,230	33,031	20,000	0	35,299	0	0	0	0
Short Term Investments	288,768	334,056	287,983	203,290	205,188	208,647	200,882	163,367	172,154	240,581	148,170	161,240	174,076	212,484	295,228	306,407	312,768	313,393	325,327	348,617	376,072	371,438	371,109	377,375	391,202	390,452	387,608	395,315	392,113	390,410	393,523	389,603	393,572	379,407	381,375	383,350	380,943	383,078	375,024	314,329	315,829	315,622	310,621	314,961	331,525	329,585	276,496	277,576	254,746	245,393	256,166	251,862	249,457	3,436	0	223,000	214,937	16,845	0	212,785	219,186	8,009	0	217,633	206,728	6,175	0	142,872	0	1,053	0	0	0	8,050
Temporary Equity Redeemable Noncontrolling Interests	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Assets	2,225,438	2,293,246	2,184,300	1,985,519	1,927,229	1,861,817	1,846,389	1,865,567	1,868,346	1,861,436	1,822,209	1,969,789	1,868,818	1,893,515	2,009,117	1,955,176	1,810,643	1,799,427	1,800,024	1,835,814	1,862,878	1,833,790	1,827,274	1,820,924	1,822,416	1,785,218	1,763,797	1,758,729	1,778,610	1,772,479	1,766,681	1,763,289	1,763,413	1,606,544	1,598,824	1,584,571	1,567,754	1,574,815	1,559,178	1,365,394	1,355,196	1,372,315	1,378,417	1,385,876	1,405,642	1,418,786	1,113,063	1,114,204	1,097,071	1,097,480	1,102,623	1,093,872	1,081,041	1,071,997	1,067,153	1,058,692	1,033,957	1,042,119	1,052,942	1,050,634	1,032,679	993,482	984,857	967,810	930,636	910,415	892,255	771,247	771,247	725,796	0	0	0	656,066
Total Current Assets	50,375	419,458	383,165	227,831	233,960	236,584	1,648,599	353,564	1,612,647	1,571,446	1,627,673	1,773,849	1,666,032	1,652,210	1,684,944	1,619,645	1,468,707	1,456,832	1,445,435	1,457,860	1,457,284	1,432,575	1,425,821	1,412,579	1,399,977	1,362,887	1,344,033	1,330,914	1,353,698	1,348,937	1,339,718	1,339,848	1,335,440	1,198,566	1,188,625	1,172,057	1,157,373	1,162,125	1,154,175	1,021,759	1,012,779	1,029,663	1,040,351	1,043,400	1,046,269	1,059,767	823,119	823,541	829,071	838,728	823,350	1,004,024	1,002,644	738,296	25,704	958,141	952,043	740,683	10,425	966,365	946,067	715,272	19,908	889,034	856,432	630,449	21,107	38,959	0	569,407	0	0	0	0
Total Current Liabilities	1,282,157	374,652	399,989	301,478	305,582	230,810	225,000	1,620,906	1,634,734	4,613	1,592,721	5,190	569	111,713	138,713	238,898	104,719	107,701	121,297	198,293	239,824	179,773	220,006	241,345	214,036	137,446	145,665	120,951	174,918	129,460	153,162	126,243	84,052	91,339	120,856	110,001	110,879	108,020	78,749	38,000	33,000	23,000	32,212	33,038	84,500	43,281	11,000	10,000	10,000	4,000	655,369	0	11,856	14,719	0	15,000	61,013	48,091	68,153	61,290	73,162	39,510	44,526	30,585	32,339	34,230	33,031	20,000	0	35,299	0	0	0	0
Total Liab	2,004,714	374,652	399,989	1,766,720	1,711,051	1,649,480	1,633,126	1,652,854	1,660,727	1,659,614	1,622,957	1,771,181	1,674,665	1,702,118	1,815,432	1,761,510	1,619,280	1,609,919	1,611,947	1,652,177	1,678,103	1,654,604	1,648,464	1,643,546	1,642,937	1,602,491	1,583,246	1,579,960	1,607,171	1,596,135	1,589,231	1,588,728	1,593,385	1,435,264	1,427,497	1,412,066	1,398,268	1,407,506	1,387,881	1,197,660	1,188,647	1,205,869	1,213,367	1,214,119	1,228,295	1,243,375	949,389	952,174	935,554	935,801	938,024	931,304	914,881	900,374	890,494	879,628	851,726	856,613	867,816	861,066	838,556	793,396	776,954	758,423	723,539	705,723	687,883	712,035	712,035	667,459	0	0	0	601,695
Total Permanent Equity	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Stockholder Equity	220,724	219,708	218,684	218,799	216,178	212,337	213,263	212,713	207,619	201,822	199,252	198,608	194,153	191,397	193,685	193,666	191,363	189,508	188,077	183,637	184,775	179,186	178,810	177,378	179,479	182,727	180,551	178,769	171,439	176,344	177,450	174,561	170,028	171,280	171,327	172,505	169,486	167,309	171,297	167,734	166,549	166,446	165,050	171,757	177,347	175,411	163,674	162,030	161,517	161,679	164,599	162,568	166,160	171,623	176,659	179,064	182,231	185,506	185,126	189,568	194,123	200,086	207,903	209,387	207,097	204,692	204,372	59,212	59,212	58,337	0	0	0	54,371
Treasury Stock	0	0	0	-99,401	-99,401	-99,800	-98,071	-97,767	-97,767	-98,127	-96,376	-93,785	-92,338	-91,477	-90,396	-88,418	-85,845	-85,216	-83,864	-83,864	-77,259	-77,707	-77,512	-78,225	-79,420	-79,891	-79,910	-80,129	-81,486	-82,369	-82,482	-82,679	-83,133	-82,832	-82,105	-81,916	-81,798	-80,113	-77,445	-76,793	-76,313	-76,117	-73,112	-69,034	-62,353	-61,944	-61,944	-61,612	-61,612	-61,612	-55,436	-53,346	-48,714	-44,870	-40,295	-35,754	-31,287	-27,695	-38,687	-32,040	-24,176	-15,545	-12,906	-13,019	-13,132	-13,283	0	0	0	0	0	0	0	0
Warrants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0

Cash Flow

Currency in USD. All numbers in thousands.

	2023-09-30	2022-09-30	2021-09-30	2020-09-30	2019-09-30	2018-09-30	2017-09-30	2016-09-30	2015-09-30	2014-09-30	2013-09-30	2012-09-30	2011-09-30	2010-09-30	2009-09-30	2008-09-30	2007-09-30	2006-09-30	2005-09-30
Begin Period Cash Flow	27,937	158,946	155,917	52,242	43,539	41,683	43,658	18,758	22,301	26,648	15,550	41,694	10,890	18,593	12,614	16,779	12,730	20,290	21,458
Capital Expenditures	955	571	401	1,056	830	39	645	1,098	878	677	806	799	2,794	2,884	3,786	698	1,130	1,180	1,053
Cash And Cash Equivalents Changes	0	-131,009	3,029	103,675	8,703	1,856	-1,975	24,900	-3,543	-4,347	11,098	-26,144	30,804	0	0	0	0	0	0
Cash Flows Other Operating	0	106	385	-2,060	-49	-162	0	27	0	0	1,934	-1,340	699	0	0	0	0	0	0
Change In Cash	57,465	-131,009	3,029	103,675	8,703	1,856	-1,975	24,900	-3,543	-4,347	11,098	-26,144	30,804	-7,703	5,979	-4,165	4,049	-7,560	-1,168
Change In Working Capital	20,090	-1,409	295	-1,933	-48	-661	-166	148	234	-994	6,770	-1,724	1,156	-831	423	422	-416	-1,820	-164
Change Receivables	0	-1,154	1,370	-695	415	-491	-380	-516	-7	-648	544	73	199	0	0	0	0	0	0
Change To Account Receivables	-3,282	-1,154	1,370	-695	415	-491	-380	-516	-7	-648	544	73	199	27	307	443	0	0	0
Change To Inventory	0	0	0	0	0	0	0	0	0	0	1,934	379	419	354	103	0	0	0	0
Change To Liabilities	0	-255	-1,075	-1,238	-463	-170	214	664	241	-346	4,292	-457	258	0	116	0	292	551	139
Change To Netincome	0	3,005	2,262	6,209	1,326	11,773	5,903	3,780	4,959	3,539	3,961	3,847	1,362	0	0	0	0	0	0
Change To Operating Activities	0	-255	-1,075	-1,238	-463	-170	214	664	241	-346	0	0	0	0	0	0	0	0	0
Depreciation	-280	2,181	2,186	2,211	1,393	1,646	1,948	2,424	1,963	2,220	2,136	1,422	1,217	1,228	1,197	1,253	1,054	1,063	969
Dividends Paid	5,859	5,273	4,694	4,559	4,266	3,912	3,830	3,747	3,546	2,800	2,295	2,249	2,315	2,577	2,397	1,250	64,191	0	0
End Period Cash Flow	27,937	27,937	158,946	155,917	52,242	43,539	41,683	43,658	18,758	22,301	26,648	15,550	41,694	10,890	18,593	12,614	16,779	12,730	20,290
Exchange Rate Changes	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Free Cash Flow	20,860	22,136	18,974	18,693	17,360	23,386	18,837	17,061	18,458	13,791	22,388	4,528	7,394	4,533	5,780	9,997	3,435	666	3,877
Investments	-377,120	-128,027	27,405	16,193	68,347	-71,337	-34,288	24,386	-42,572	3,420	32,161	18,753	12,145	0	0	0	0	0	0
Issuance Of Capital Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Borrowings	0	230,810	-125,877	-122,405	-50,214	-13,118	-48,447	39,621	61,120	76,883	-82,481	-114,907	-61,666	0	0	0	0	0	0
Net Income	18,576	20,070	16,424	14,416	12,623	6,531	7,339	7,727	9,791	8,504	8,823	215	5,258	4,512	6,556	6,077	-5,126	3,954	4,451
Other Cashflows From Financing Activities	419,584	-18,430	-2,909	1,158	-126	151,189	132,070	683	180	-869	1,530	-1,425	108,094	151,993	174,167	128,357	127,607	92,821	80,702
Other Cashflows From Investing Activities	0	469	4,789	281	-20,576	1,566	4,762	-18,614	3,254	-12,146	2,874	57,444	-7,708	237	21	0	0	83	0
Other Non Cash Items	-18,576	744	-1,897	4,021	1,952	10,223	8,590	7,214	5,890	2,633	2,276	969	114	-14	-517	2,761	10,301	-1,427	-485
Sale Purchase Of Stock	-1,600	-1,884	-7,078	-6,567	-7,797	1,575	779	-301	-3,132	-4,216	-14,501	-332	-16,917	-17,000	-25,938	0	-13,585	0	0
Stock Based Compensation	798	1,309	1,157	1,168	1,244	1,075	1,017	804	674	719	2,001	2,620	2,717	2,699	2,765	576	339	0	0
Total Cash From Financing Activities	413,725	-25,587	-48,139	68,493	-56,428	48,202	8,750	2,067	17,487	-9,110	-46,325	-106,869	16,532	23,544	35,162	74,607	178,637	65,821	57,702
Total Cash From Operating Activities	20,860	22,707	19,375	19,749	18,190	23,386	19,482	18,159	19,336	14,468	23,194	5,327	10,188	7,417	9,566	10,695	4,565	1,846	4,930
Total Cashflows From Investing Activities	0	-128,129	31,793	15,433	46,941	-69,732	-30,207	4,674	-40,366	-9,705	34,229	75,398	4,084	0	0	0	0	0	0

	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31	2006-09-30	2006-06-30	2006-03-31	2005-12-31	2005-09-30
Begin Period Cash Flow	85,402	95,181	24,541	28,772	27,937	83,131	190,197	198,421	158,946	185,400	310,937	217,214	155,917	170,844	173,519	42,552	52,242	40,698	41,159	39,650	43,539	37,907	34,804	38,785	41,683	33,559	36,443	39,851	43,658	25,978	23,883	25,728	18,758	17,692	16,610	20,466	22,301	23,480	40,662	14,817	26,648	20,326	23,960	19,917	15,550	22,784	23,065	29,064	41,694	21,797	20,209	7,346	10,890	25,704	25,915	18,072	18,593	10,425	17,300	19,471	12,614	19,908	18,797	19,461	16,779	21,107	139,462	12,730	12,730	14,738	21,281	25,901	20,290	0
Capital Expenditures	67	123	174	259	399	146	47	104	274	545	157	198	190	185	128	415	328	279	215	99	237	73	73	339	498	192	70	145	238	332	187	179	400	274	150	179	275	179	231	219	48	83	242	236	245	105	342	1,805	1,166	327	2,196	109	162	2,922	721	1,279	922	151	3,300	122	213	58	133	221	286	278	341	244	244	134	444	176	426	1,053
Cash And Cash Equivalents Changes	0	0	0	-4,231	835	-55,194	-107,066	-8,224	39,475	-26,454	-125,537	93,723	61,297	-14,927	-2,675	130,967	-9,690	11,544	-461	1,509	-3,889	5,632	3,103	-3,981	-2,898	8,124	-2,884	-3,408	-3,807	17,680	2,095	-1,845	6,970	1,066	1,082	-3,856	-1,835	-1,179	-17,182	25,845	-11,831	6,322	-3,634	4,043	4,367	-7,234	-281	-5,999	-12,630	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash Flows Other Operating	0	0	0	61	50	-559	9	429	227	431	-432	-7	393	-3,133	862	222	-11	-2	-3	-42	-2	-87	-75	0	0	0	0	0	0	27	0	0	0	0	0	0	0	0	0	0	0	0	1,485	274	175	-1,791	153	152	146	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Change In Cash	-38,222	-9,779	70,640	-4,231	835	-55,194	-107,066	-8,224	39,475	-26,454	-125,537	93,723	61,297	-14,927	-2,675	130,967	-9,690	11,544	-461	1,509	-3,889	5,632	3,103	-3,981	-2,898	8,124	-2,884	-3,408	-3,807	17,680	2,095	-1,845	6,970	1,066	1,082	-3,856	-1,835	-1,179	-17,182	25,845	-11,831	6,322	-3,634	4,043	4,367	-7,234	-281	-5,999	-12,630	19,897	1,588	12,863	-3,544	-14,814	-211	7,843	-521	8,168	-6,875	-2,171	6,857	-7,294	1,111	-664	2,682	-4,328	-118,355	26,229	26,229	-2,008	-6,543	-4,620	5,611	0
Change In Working Capital	2,845	2,363	984	-128	-1,820	-1,015	-42	-609	257	-373	475	-442	635	-554	-889	-284	-206	-131	216	-512	379	-429	119	-276	-75	-498	378	-187	141	448	-559	140	119	189	-96	-31	172	-155	-1,037	-217	415	4,373	1,564	311	522	-2,907	687	-56	552	1,179	-53	-433	463	1,421	-562	-1,867	177	1,461	-1,370	69	263	136	56	164	66	1,548	-1,658	272	272	-1,884	-86	105	45	0
Change Receivables	0	0	0	-628	-2,083	-1,091	-5	-342	284	-314	746	219	719	68	-395	-315	-53	552	261	-777	379	-375	14	-6	-124	-310	90	21	-181	2	-41	-129	-348	47	-213	101	58	-19	-851	116	106	237	50	-103	360	-191	-13	-49	326	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Change To Account Receivables	-520	-824	253	-628	-2,083	-1,091	-5	-342	284	-314	746	219	719	68	-395	-315	-53	552	261	-777	379	-375	14	-6	-124	-310	90	21	-181	2	-41	-129	-348	47	-213	101	58	-19	-851	116	106	237	50	-103	360	-191	-13	-49	326	33	-28	194	328	27	208	5	175	307	276	318	267	443	463	352	404	0	0	0	0	0	0	0	0	0
Change To Inventory	1,130	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	1,138	0	0	0	0	0	0	0	0	0	0	0	426	1,485	761	0	-34	413	8	0	1,264	3	3	3	354	236	195	155	103	56	0	0	0	0	0	0	0	12	12	0	0	0	0	0	0
Change To Liabilities	0	0	0	500	263	76	-37	-267	-27	-59	-271	-661	-84	-622	-494	31	-153	-683	-45	265	0	-54	105	-270	49	-188	288	-208	322	446	-518	269	467	142	117	-132	114	-136	-186	-333	309	4,136	29	140	-13	-925	547	-305	226	0	103	0	135	0	191	0	2	116	11	14	0	0	0	0	0	292	0	455	483	551	0	0	0	139
Change To Netincome	0	0	430	891	-339	2,127	2,121	257	-1,500	1,528	578	835	-1,469	1,884	2,106	1,444	775	-3,235	4,656	1,160	-1,255	1,227	3,048	1,537	5,961	1,854	-1,453	3,823	1,679	631	2,305	963	-119	258	2,374	2,152	175	652	909	1,992	-14	-3,415	2,667	2,955	1,754	44	767	1,451	1,585	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Change To Operating Activities	0	0	731	731	263	76	-37	-267	-27	-59	-271	-661	-84	-622	-494	31	-153	-683	-45	265	265	-54	105	-270	49	214	288	2,885	793	664	1,980	375	0	241	0	0	0	-346	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	552	494	535	519	567	570	530	542	539	523	557	553	553	534	558	573	546	333	338	352	370	375	393	429	449	466	470	498	514	522	628	708	566	497	496	488	482	516	647	529	528	526	542	532	536	453	807	81	81	1,163	-518	280	292	333	316	291	288	294	291	297	315	321	320	306	306	6	1,057	117	117	236	290	279	258	0
Dividends Paid	-1,476	-1,466	1,465	1,465	1,463	1,454	1,473	1,175	1,171	1,184	1,192	1,216	1,102	1,122	1,130	1,154	1,153	1,049	1,062	1,064	1,091	984	989	976	963	962	961	960	947	939	939	938	931	937	940	940	729	740	757	759	544	544	569	577	605	605	548	550	546	548	577	591	599	619	635	656	667	694	551	558	594	625	625	0	0	118,198	0	0	0	0	0	0	0	0
End Period Cash Flow	47,180	85,402	95,181	24,541	28,772	27,937	83,131	190,197	198,421	158,946	185,400	310,937	217,214	155,917	170,844	173,519	42,552	52,242	40,698	41,159	39,650	43,539	37,907	34,804	38,785	41,683	33,559	36,443	39,851	43,658	25,978	23,883	25,728	18,758	17,692	16,610	20,466	22,301	23,480	40,662	14,817	26,648	20,326	23,960	19,917	15,550	22,784	23,065	29,064	41,694	21,797	20,209	7,346	10,890	25,704	25,915	18,072	18,593	10,425	17,300	19,471	12,614	19,908	18,797	19,461	16,779	21,107	38,959	38,959	12,730	14,738	21,281	25,901	20,290
Exchange Rate Changes	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Free Cash Flow	6,276	5,430	6,171	5,581	2,723	6,631	7,409	4,736	3,360	5,840	5,479	4,318	3,738	2,449	6,431	5,238	4,575	1,084	8,727	4,437	3,112	5,253	7,256	5,013	5,864	4,710	2,258	6,713	5,156	4,027	5,400	4,679	2,955	5,043	5,258	4,886	3,271	3,576	3,276	3,814	3,125	3,728	6,721	6,124	5,815	-4,289	2,635	816	2,747	2,900	-398	1,724	3,168	5,767	360	886	404	2,601	-1,819	2,667	2,331	2,364	3,711	1,523	2,399	10,864	-9,230	1,503	1,503	-1,195	970	1,528	-637	3,877
Investments	32,029	-115,622	-131,151	-63,956	-65,765	-70,621	-90,019	-1,923	34,536	-69,193	1,334	-6,074	83,604	96,749	-55,652	-8,134	-16,770	11,442	59,042	30,577	-32,714	-5,429	-7,584	-10,386	-47,938	-16,878	-9,847	12,818	-20,381	14,222	-2,933	-1,297	14,394	-7,345	-17,784	-21,924	4,481	-24,244	8,448	17,744	1,472	10,798	-4,216	18,360	7,219	59,287	334	-24,853	-16,015	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Issuance Of Capital Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Borrowings	0	0	98,511	-4,104	74,772	5,810	225,000	225,000	225,000	225,000	0	-14,733	-111,144	-163,663	-111,120	157,981	-5,603	-5,688	-83,996	-14,231	53,701	-52,629	-29,654	11,975	57,190	-32,219	23,714	-70,370	30,428	-33,702	36,919	23,691	12,713	-9,221	39,700	13,853	16,788	35,021	10,572	4,790	26,500	-25,112	-13,726	-52,862	9,219	-71,907	-17,500	-20,500	-5,000	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Income	4,337	4,629	4,396	4,685	4,866	5,826	5,039	4,592	4,613	3,923	4,026	4,340	4,135	3,822	3,777	3,407	3,410	3,708	3,047	2,859	3,009	3,085	2,821	2,263	-1,638	2,009	1,762	1,631	1,937	1,529	2,112	2,129	1,957	2,306	2,457	2,432	2,596	2,372	2,626	1,502	2,004	2,028	1,876	2,040	2,879	-2,124	794	659	886	1,790	1,241	1,215	1,012	1,047	1,068	1,603	794	1,448	1,741	1,537	1,830	760	1,966	1,654	1,697	1,718	-9,006	861	861	1,004	1,023	982	945	4,451
Other Cashflows From Financing Activities	3,527	127,093	196,911	55,627	65,290	23,621	-22,789	-10,093	2,451	-9,953	-146,834	2,919	-23,615	-7,384	3,521	1,360	3,661	-7,228	-24,361	-4,488	52,722	23,682	25,937	27,974	73,596	62,999	31,462	6,581	31,028	23,580	3,640	1,522	2,719	-7,344	14,508	1,490	2,982	-7,831	3,054	1,510	2,398	-8,345	3,882	2,482	3,511	4,366	25,328	32,257	10,767	-5,169	2,134	1,125	1,826	22,878	2,001	1,219	1,627	14,316	2,003	62,381	56,883	23,053	28,265	47,495	28,919	-3,733	-26,736	53,278	1,160	42,016	28,719	17,533	23,881	41,357
Other Cashflows From Investing Activities	0	0	-1,690	-18	50	-151	90	231	299	4,023	239	150	83	170	-1,297	-6,158	111	452	-21,907	447	432	401	328	339	498	2,291	664	690	1,117	-3,683	636	537	-15,722	694	514	1,591	455	795	-18,962	5,939	82	309	172	1,147	1,246	56,195	370	407	472	0	0	0	0	237	0	0	0	21	0	0	0	0	0	0	0	0	0	0	0	83	0	0	0	0
Other Non Cash Items	-2,305	-2,116	142	456	-1,322	1,467	1,934	-390	-2,267	1,643	-960	-20	-1,876	-1,291	3,233	1,715	364	-2,958	5,211	1,278	-1,579	894	3,675	2,118	3,536	1,461	70	4,567	2,492	1,123	4,045	1,637	409	856	2,543	1,865	626	-1,280	1,692	2,023	198	-2,837	1,552	2,386	1,175	-1,071	-600	1,411	1,229	-1,891	428	595	982	-504	-187	1,350	-673	-633	-63	-256	-203	1,033	1,568	-324	313	6,842	3,025	519	519	-786	183	727	-1,551	0
Sale Purchase Of Stock	-5,063	0	0	0	0	-1,600	-284	0	0	-1,629	-2,591	-1,447	-1,411	-1,002	-1,947	-2,573	-1,045	-1,256	0	-6,541	0	-98	619	1,054	0	-131	103	807	-163	-163	138	25	-301	-855	-474	-118	-1,685	-2,888	-652	-480	-196	-3,071	-4,366	-6,771	-293	0	-332	0	0	10,645	-2,641	-3,985	-4,019	-4,579	-4,727	-4,102	-3,592	-1,461	-7,049	0	0	0	0	0	0	-13,585	0	0	0	0	0	0	0	0
Stock Based Compensation	481	269	256	308	525	302	261	295	451	263	260	259	375	234	230	275	429	296	246	275	427	248	281	283	263	256	272	257	232	208	214	192	190	178	176	173	147	178	169	193	179	179	528	653	641	649	672	644	655	663	669	678	707	675	675	670	679	688	690	1,859	166	576	0	0	171	339	0	-12	0	0	186	-343	157	0
Total Cash From Financing Activities	-76,962	100,290	195,446	54,162	63,827	8,947	-24,546	-11,268	1,280	33,277	-150,617	95,329	-26,128	-114,310	46,546	133,863	2,394	-1,434	-46,323	-33,952	25,281	5,302	3,103	1,164	38,633	18,037	4,041	-23,629	10,301	3,496	-1,008	-5,764	5,343	2,844	13,094	11,628	-10,079	14,356	-5,304	-1,652	-16,510	-8,513	-6,311	-21,588	-9,913	-118,427	-3,620	15,957	-779	-10,681	5,072	11,636	10,505	2,399	6,485	22,857	-8,197	-15,509	559	13,823	36,289	7,428	14,265	34,995	17,919	5,290	-26,736	45,278	45,278	23,016	19,055	7,601	16,149	57,702
Total Cash From Operating Activities	6,343	5,553	6,345	5,840	3,122	6,777	7,456	4,840	3,634	5,295	5,636	4,516	3,928	2,634	6,559	5,653	4,903	1,363	8,942	4,536	3,349	5,180	7,329	5,013	5,864	4,902	2,328	6,858	5,394	4,359	5,587	4,858	3,355	5,317	5,408	5,065	3,546	3,755	3,507	4,033	3,173	3,811	6,963	6,360	6,060	-4,184	2,977	2,621	3,913	3,227	1,798	1,833	3,330	2,845	1,081	2,165	1,326	2,752	1,481	2,789	2,544	2,422	3,844	1,744	2,685	11,142	-8,889	1,747	1,747	-1,061	1,414	1,704	-211	4,930
Total Cashflows From Investing Activities	0	0	-131,151	-64,233	-66,114	-70,918	-89,976	-1,796	34,561	-65,026	19,444	-6,122	83,497	96,749	-55,780	-8,549	-16,987	11,615	36,920	30,925	-32,519	-4,850	-7,329	-10,158	-47,395	-14,815	-9,253	13,363	-19,502	9,825	-2,484	-939	-1,728	-7,095	-17,420	-20,549	4,698	-19,290	-15,385	23,464	1,506	11,024	-4,286	19,271	8,220	115,377	452	-24,667	-15,764	4,084	0	0	0	0	0	0	6,350	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0

Income Statement

Currency in USD. All numbers in thousands.

	2023-09-30	2022-09-30	2021-09-30	2020-09-30	2019-09-30	2018-09-30	2017-09-30	2016-09-30	2015-09-30	2014-09-30	2013-09-30	2012-09-30	2011-09-30	2010-09-30	2009-09-30	2008-09-30	2007-09-30	2006-09-30	2005-09-30	2004-09-30	2003-09-30	2002-09-30
Cost Of Revenue	0	0	0	0	0	20,268	16,149	13,981	12,465	1	15,007	18,682	20,335	23,481	25,239	26,542	24,165	19,517	14,873	-	-	-
Depreciation And Amortization	190	239	271	276	309	469	643	762	637	960	990	436	135	1,228	1,197	1,253	1,054	1,063	969	-	-	-
Discontinued Operations	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Ebit	23,070	28,045	19,897	17,599	15,038	29,640	23,034	23,403	24,461	23,282	24,060	17,366	26,483	27,662	32,848	34,787	19,461	24,984	20,157	17,020	19,234	19,234
Ebitda	23,260	28,284	20,168	17,875	15,347	30,109	23,677	24,165	25,098	24,242	25,050	17,802	26,618	28,890	34,045	36,040	20,515	26,047	21,126	17,020	19,234	19,234
Effect Of Accounting Charges	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Extraordinary Items	0	0	0	0	0	-3,682	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Gross Profit	69,299	68,216	64,387	61,462	55,167	56,048	53,718	55,718	51,685	47,315	47,869	35,803	35,221	34,659	34,790	32,028	27,201	5,818	5,831	21,157	4,377	4,377
Income Before Tax	23,070	25,004	19,897	17,599	15,038	12,195	8,930	10,310	12,745	11,395	11,657	248	7,121	6,356	9,109	9,145	-4,344	5,767	5,834	5,087	7,014	7,014
Income Tax Expense	4,494	4,934	3,473	3,183	2,415	5,664	1,591	2,583	2,954	2,891	2,834	33	1,863	1,844	2,553	3,068	782	1,813	1,383	1,172	2,314	2,314
Interest Expense	23,945	3,041	5,793	15,865	20,749	16,268	12,799	11,431	10,390	10,627	11,257	16,132	18,280	21,306	23,739	25,642	23,805	19,217	14,323	11,933	12,220	12,220
Interest Income	85,499	62,812	58,687	64,072	67,759	64,503	58,318	58,366	54,179	0	0	0	0	0	0	0	0	0	0	-	-	-
Minority Interest	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Net Income	18,576	20,070	16,424	14,416	12,623	6,531	7,339	7,727	9,791	8,504	8,823	215	5,258	4,512	6,556	6,077	-5,126	3,954	4,451	3,915	4,700	4,700
Net Income Applicable To Common Shares	0	20,070	16,424	14,416	12,623	6,531	7,339	7,727	9,791	8,504	8,823	215	5,258	4,512	6,556	6,077	0	3,954	4,451	-	-	-
Net Income From Continuing Ops	18,576	20,070	16,424	14,416	12,623	6,531	7,339	7,727	9,791	14,286	14,491	215	5,258	0	0	0	0	0	0	-	-	-
Net Interest Income	61,554	59,771	52,894	48,207	47,010	48,235	45,519	46,935	43,789	0	0	0	0	0	0	0	0	0	0	-	-	-
Non Operating Income Net Other	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Non Recurring	0	0	0	0	0	0	0	245	285	522	0	0	0	0	0	0	0	0	0	-	-	-
Operating Income	23,070	28,045	19,897	17,599	15,038	28,463	23,034	23,403	24,461	23,282	24,060	17,366	26,483	27,662	32,848	34,787	19,461	24,984	20,157	17,020	19,234	19,234
Other Items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Other Operating Expenses	-46,229	4,279	-44,490	-43,863	40,129	27,585	4,023	3,590	2,957	2,517	2,442	1,783	2,146	2,117	2,048	2,062	1,510	19,166	14,326	4,137	14,857	14,857
Preferred Stock And Other Adjustments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Reconciled Depreciation	190	239	271	2,211	1,393	1,646	1,948	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Research Development	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	-	-	-
Selling And Marketing Expenses	648	767	636	481	699	903	1,137	1,061	974	633	574	415	658	626	672	630	695	0	0	-	-	-
Selling General Administrative	27,699	26,806	26,987	24,658	24,446	24,178	25,290	24,790	21,731	19,922	19,949	19,125	18,504	17,773	17,145	12,650	10,829	9,194	9,035	-	-	-
Tax Provision	4,494	4,934	3,473	3,183	2,415	5,664	1,591	2,583	2,954	0	0	0	0	0	0	0	0	0	0	-	-	-
Total Operating Expenses	-46,229	4,279	-44,490	-43,863	-40,129	-27,585	4,023	3,590	2,957	2,516	2,442	1,783	2,146	2,117	2,048	2,062	1,510	19,166	14,326	-4,137	14,857	14,857
Total Other Income Expense Net	23,070	-3,041	19,897	17,599	15,038	-16,268	-14,104	-13,093	-11,716	-11,887	-12,403	-17,118	-19,362	-21,306	-23,739	-25,642	-23,805	-19,217	-14,323	-11,933	-12,220	-12,220
Total Revenue	69,299	68,216	64,387	61,462	55,167	56,048	53,718	55,718	51,685	47,316	47,869	35,803	35,221	34,659	34,790	32,028	27,201	5,818	5,831	21,157	4,377	4,377

	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31	2008-12-31	2008-09-30	2008-06-30	2008-03-31	2007-12-31	2007-09-30	2007-06-30	2007-03-31	2006-12-31	2006-09-30	2006-06-30	2006-03-31	2005-12-31	2005-09-30
Cost Of Revenue	1,863	0	0	0	0	0	0	0	-5	0	0	0	0	0	0	0	0	0	0	0	5,860	5,517	5,131	5,012	4,608	4,558	3,998	3,825	3,768	3,719	3,464	3,475	3,323	3,172	3,082	3,103	3,108	1	241	3,334	3,441	3,378	3,742	3,656	4,231	4,708	4,440	4,713	4,821	4,989	4,957	5,195	-34	5,808	5,940	5,854	5,879	6,021	6,165	6,416	6,637	6,653	6,384	6,665	6,840	6,426	5,937	5,878	5,924	5,469	4,968	4,602	4,478	14,873
Depreciation And Amortization	552	48	47	48	47	48	59	65	67	67	69	67	68	68	68	68	72	74	74	77	84	88	102	135	144	158	158	164	163	174	190	223	174	151	156	163	166	204	282	237	237	241	250	249	536	193	81	81	81	1,163	54	280	292	333	316	291	288	294	291	297	315	321	320	306	306	6	1,057	117	117	236	290	279	258	0
Discontinued Operations	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Ebit	4,813	5,802	5,540	10,681	8,950	8,265	6,345	5,769	5,586	4,890	4,827	5,211	4,969	4,719	4,653	4,113	4,114	4,407	3,659	3,489	3,483	3,627	3,321	2,792	2,455	2,549	2,210	1,834	2,337	2,028	2,904	2,855	2,523	2,942	3,075	3,280	3,448	3,117	3,602	2,056	2,620	2,320	2,395	2,702	4,240	-2,797	1,105	870	1,070	2,437	1,777	1,560	1,347	1,777	1,455	2,116	1,008	2,207	2,528	2,197	2,177	1,492	2,815	2,358	2,480	2,579	-9,921	1,167	1,167	1,541	1,479	1,412	1,335	0
Ebitda	5,365	5,850	5,587	10,729	8,997	8,313	6,404	5,834	5,653	4,957	4,896	5,278	5,037	4,787	4,721	4,181	4,186	4,481	3,733	3,566	3,567	3,715	3,423	2,927	2,599	2,707	2,368	1,998	2,500	2,202	3,094	3,078	2,697	3,093	3,231	3,443	3,614	3,321	3,884	2,293	2,857	2,561	2,645	2,951	4,776	-2,604	1,186	951	1,151	3,600	1,831	1,840	1,639	2,110	1,771	2,407	1,296	2,501	2,819	2,494	2,492	1,813	3,135	2,664	2,786	2,585	-8,864	1,284	0	1,777	1,769	1,691	1,593	0
Effect Of Accounting Charges	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Extraordinary Items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Gross Profit	26,090	17,454	17,119	17,157	17,575	19,098	17,092	16,167	15,890	16,349	15,445	16,546	16,047	17,690	15,083	14,437	14,252	13,779	13,577	13,800	14,011	13,972	14,459	13,880	13,737	13,861	13,280	13,088	13,489	14,093	14,155	14,561	12,909	12,959	12,959	12,903	12,864	12,552	13,197	10,690	11,118	11,133	11,649	12,342	12,745	10,946	8,231	8,394	8,232	9,272	8,819	8,665	8,431	8,819	8,290	8,811	8,739	8,742	9,258	8,471	8,319	8,385	8,280	7,701	7,662	7,551	7,737	5,688	0	1,426	1,470	1,414	1,508	22,327
Income Before Tax	5,365	5,802	5,540	5,737	5,991	7,304	6,345	5,769	5,586	4,890	4,827	5,211	4,969	4,719	4,653	4,113	4,114	4,407	3,659	3,489	3,483	3,627	3,321	2,792	2,455	2,549	2,210	1,834	2,337	2,028	2,904	2,855	2,523	2,942	3,075	3,280	3,448	3,117	3,602	2,056	2,620	2,320	2,395	2,702	4,240	-2,797	1,105	870	1,070	2,437	1,777	1,560	1,347	1,777	1,455	2,116	1,008	2,207	2,528	2,197	2,177	1,492	2,815	2,358	2,480	2,579	-9,921	1,167	1,167	1,541	1,479	1,412	1,335	5,834
Income Tax Expense	1,028	1,173	1,144	1,052	1,125	1,478	1,306	1,177	973	967	801	871	834	897	876	706	704	699	612	630	474	542	500	529	4,093	540	448	203	400	499	792	726	566	636	618	848	852	745	976	554	616	292	519	662	1,361	-673	311	211	184	647	536	345	335	730	387	513	214	759	787	660	347	732	849	704	783	861	-915	306	306	537	457	429	390	1,383
Interest Expense	2,764	9,521	6,521	4,944	2,959	961	541	693	846	910	1,251	1,632	2,000	2,913	3,653	4,612	4,687	5,084	5,285	5,396	4,984	4,592	4,156	3,912	3,608	3,458	3,248	3,075	3,018	2,969	2,864	2,875	2,723	2,597	2,557	2,578	2,658	2,663	2,688	2,584	2,691	2,578	2,642	2,806	3,231	3,908	3,840	4,063	4,321	4,539	4,482	4,545	4,714	5,283	5,440	5,204	5,379	5,646	5,790	6,041	6,262	6,203	6,234	6,515	6,690	6,336	5,847	5,834	5,834	5,394	4,893	4,527	4,403	14,323
Interest Income	26,090	25,061	21,765	20,054	18,619	17,997	15,499	14,908	14,408	14,709	14,403	14,663	14,912	15,362	15,853	16,344	16,513	16,762	17,000	17,128	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Income	4,337	4,629	4,396	4,685	4,866	5,826	5,039	4,592	4,613	3,923	4,026	4,340	4,135	3,822	3,777	3,407	3,410	3,708	3,047	2,859	3,009	3,085	2,821	2,263	-1,638	2,009	1,762	1,631	1,937	1,529	2,112	2,129	1,957	2,306	2,457	2,432	2,596	2,372	2,626	1,502	2,004	2,028	1,876	2,040	2,879	-2,124	794	659	886	1,790	1,241	1,215	1,012	1,047	1,068	1,603	794	1,448	1,741	1,537	1,830	760	1,966	1,654	1,697	1,718	-9,006	861	861	1,004	1,022	983	945	4,451
Net Income Applicable To Common Shares	0	0	0	4,685	4,866	5,826	5,039	4,592	4,613	3,923	4,026	4,340	4,135	3,822	3,777	3,407	3,410	3,708	3,047	2,859	3,009	3,085	2,821	2,263	-1,638	2,009	1,762	1,631	1,937	1,529	2,112	2,129	1,957	2,306	2,457	2,432	2,596	2,372	2,626	1,502	2,004	2,028	1,876	2,040	2,879	-2,124	794	659	886	1,790	1,241	1,215	1,012	1,047	1,068	1,603	794	1,448	1,741	1,537	1,830	760	1,966	1,654	1,697	1,718	-1,301	1,301	861	1,004	1,022	983	945	4,451
Net Income From Continuing Ops	4,337	4,629	4,396	4,685	4,866	5,826	5,039	4,592	4,613	3,923	4,026	4,340	4,135	3,822	3,777	3,407	3,410	3,708	3,047	2,859	3,009	3,085	2,821	2,263	-1,638	2,009	1,762	1,631	1,937	1,529	2,112	2,129	1,957	2,306	2,457	2,432	2,596	8,154	2,626	1,502	2,004	7,696	1,876	2,040	2,879	-2,124	794	659	886	0	1,241	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Net Interest Income	14,864	15,540	15,244	15,110	15,660	17,036	14,958	14,215	13,562	13,799	13,152	13,031	12,912	12,449	12,200	11,732	11,826	11,678	11,715	11,732	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Non Operating Income Net Other	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Non Recurring	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	245	0	0	0	285	0	0	0	522	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Operating Income	5,365	5,802	5,540	10,681	8,950	8,265	6,345	5,769	5,586	4,890	4,827	5,211	4,969	4,719	4,653	4,113	4,114	4,407	3,659	3,489	3,483	3,627	3,321	2,792	2,455	2,549	2,210	1,834	2,337	2,028	2,904	2,855	2,523	2,942	3,075	3,280	3,448	3,117	3,602	2,056	2,620	2,320	2,395	2,702	4,240	-2,797	1,105	870	1,070	2,437	1,777	1,560	1,347	1,777	1,455	2,116	1,008	2,207	2,528	2,197	2,177	1,492	2,815	2,358	2,480	2,579	-9,921	1,167	2,125	1,541	1,479	1,412	1,335	10,105
Other Items	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Operating Expenses	22,588	-11,652	-11,579	1,283	1,429	3,266	10,747	10,398	783	2,763	8,879	676	634	2,407	6,287	651	575	2,753	4,369	850	679	3,271	6,691	827	724	4,023	7,510	1,076	1,050	3,590	7,949	825	540	2,957	6,987	631	642	2,517	241	612	515	2,442	6,320	737	422	1,783	2,560	470	576	2,146	3,132	603	581	2,117	1,395	552	475	2,048	4,818	536	538	2,062	769	546	434	1,510	11,811	1,313	0	5,509	4,902	4,525	4,230	0
Preferred Stock And Other Adjustments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Reconciled Depreciation	552	48	47	48	47	48	59	65	67	67	69	67	553	534	558	573	546	333	338	352	370	375	393	429	449	466	470	498	514	522	628	708	566	497	496	488	482	516	647	529	528	526	542	532	536	453	807	81	81	1,163	-518	280	292	333	316	291	288	294	291	297	315	321	320	306	306	6	1,057	117	117	236	290	279	258	0
Research Development	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Selling And Marketing Expenses	136	113	181	168	186	140	254	280	93	165	218	152	101	133	114	118	116	200	140	204	155	213	331	201	158	337	254	241	305	524	297	153	87	249	373	224	128	170	243	114	106	149	170	145	110	152	110	67	86	124	165	183	186	154	208	166	98	129	191	149	203	183	0	147	145	181	178	187	187	0	0	0	0	0
Selling General Administrative	7,126	6,797	7,002	6,972	6,928	7,279	6,604	6,425	6,498	7,070	6,595	6,653	6,669	6,137	5,868	6,282	6,371	5,802	6,116	6,217	6,311	5,771	6,054	6,156	6,197	6,316	6,341	6,269	6,364	6,367	6,242	6,325	5,856	5,322	5,482	5,521	5,406	5,615	5,178	4,592	4,537	4,896	4,951	5,361	4,741	5,312	4,579	4,654	4,580	4,783	4,572	4,636	4,329	4,626	4,412	4,191	4,544	4,391	4,559	4,057	3,584	3,476	3,169	3,010	2,995	2,834	2,828	2,710	2,710	2,242	2,381	2,245	2,326	11,253
Tax Provision	1,028	1,173	1,144	1,052	1,125	1,478	1,306	1,177	973	967	801	871	834	897	876	706	704	699	612	630	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Operating Expenses	3,781	-11,652	-11,579	1,283	1,429	3,266	-10,747	-10,398	788	2,763	-8,879	676	634	2,407	-6,287	651	575	2,753	-4,369	850	679	3,271	-6,691	827	724	4,023	-7,510	1,076	1,050	3,590	-7,949	825	540	2,957	-6,987	631	642	2,516	-6,301	612	515	2,442	-6,320	737	422	1,783	-2,560	470	576	2,146	-3,132	603	615	2,117	-1,395	552	475	2,048	4,818	536	538	2,062	769	546	434	1,510	-11,811	1,313	0	5,509	4,902	4,525	4,230	0
Total Other Income Expense Net	5,365	30,973	5,540	-4,944	-2,959	-961	6,345	-1,170	-846	-1,366	-1,739	-2,118	-2,485	-3,379	-4,143	-5,117	-5,161	-5,343	-5,549	-5,671	-5,270	-4,879	-4,447	-4,206	-3,913	-3,766	-3,560	-3,409	-3,369	-3,317	-3,302	-3,360	-3,115	-2,943	-2,897	-2,903	-2,974	-2,975	-3,053	-2,877	-2,982	-2,863	-2,934	-3,089	-3,231	-4,168	-4,566	-4,063	-4,321	-4,539	-3,910	-4,545	-4,714	-5,283	-5,440	-5,204	-5,379	-5,646	-5,790	-6,041	-6,262	-6,203	-6,234	-6,515	-6,690	-6,336	-5,847	-5,834	0	-5,394	-4,893	-4,527	-4,403	0
Total Revenue	27,953	17,454	17,119	17,157	17,575	19,098	17,092	16,167	15,890	16,349	15,445	16,546	16,047	17,690	15,083	14,437	14,252	13,779	13,577	13,800	14,011	13,972	14,459	13,880	13,737	13,861	13,280	13,088	13,489	14,093	14,155	14,561	12,909	12,959	12,959	12,903	12,864	12,552	13,197	10,690	11,118	11,133	11,649	12,342	12,745	10,946	8,231	8,394	8,232	9,272	8,819	8,665	8,431	8,819	8,290	8,811	8,739	8,742	9,258	8,471	8,319	8,385	8,280	7,701	7,662	7,551	7,737	5,688	5,688	1,426	1,470	1,414	1,508	37,200

Latest Income Statement (annual, 2023-09-30)

Gross Profit (+$)
totalRevenue	69,299
Cost of Revenue	-0
Gross Profit	69,299	69,299

Operating Income (+$)
Gross Profit	69,299
Operating Expense	--46,229
Operating Income	23,070	115,528

Operating Expense (+$)
Research Development	0
Selling General Administrative	27,699
Selling And Marketing Expenses	648
Operating Expense	-46,229	28,347

Net Interest Income (+$)
Interest Income	85,499
Interest Expense	-23,945
Other Finance Cost	-0
Net Interest Income	61,554

Pretax Income (+$)
Operating Income	23,070
Net Interest Income	61,554
Other Non-Operating Income Expenses	0
Income Before Tax (EBT)	23,070	0 EBIT - interestExpense = -875 23,070 42,521
Interest Expense	23,945
Earnings Before Interest and Taxes (EBIT)	23,070	47,015
Earnings Before Interest and Taxes (EBITDA)	23,260

After tax Income (+$)
Income Before Tax	23,070
Tax Provision	-4,494
Net Income From Continuing Ops	18,576	18,576
Net Income	18,576
Net Income Applicable To Common Shares	0

Non-recurring Events
Discontinued Operations	0
Extraordinary Items	0
Effect of Accounting Charges	0
Other Items	0
Non Recurring	0
Other Operating Expenses	-46,229
Total Other Income/Expenses Net	23,070	-61,554

Technical Analysis of ESSA Bancorp Inc
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of ESSA Bancorp Inc. The general trend of ESSA Bancorp Inc is BEARISH with 28.6% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine ESSA Bancorp Inc's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitions	Bullish trend (-28.6%)		Bearish trend (28.6%)
Overbought to neutral	Bullish pullback	=	Bearish reversal
Upper to lower neutral	Bullish correction	=	Bearish continuation
Nuetral to oversold	Oversold	=	Oversold
Oversold to neutral	Bullish reversal	=	Bearish correction
Lower to upper neutral	Bullish continuation	=	Bearish pullback
Nuetral to overbought	Overbought	=	Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.

Score

Let's take a look at the Support & Resistance of ESSA Bancorp Inc.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: 17.73 < 18.49 < 19.67.

The bearish price targets are: 16.38 > 14.93 > 14.07.

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ESSA Bancorp Inc Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

Moving averages are lagging trend indicators.
There are many types of moving averages.
Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of ESSA Bancorp Inc. The current mas is .

The long score for the Moving Averages is 5/14.
The longshort score for the Moving Averages is -4/(-14 +14).

MA 20 trending down: The MA 20 is trending down. -1
Close < MA 20: The price is below the MA 20. -1
MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
MA 50 trending down: The MA 50 is trending down. -1
Close < MA 50: The price is below the MA 50. -1
MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
MA 100 trending up: The MA 100 is trending up. +1
Close < MA 100: The price is below the MA 100. -1
MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
MA 200 trending up: The MA 200 is trending up. +1
Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving Average	Amount of candles	vs. MA 50	vs. MA 100	vs. MA 200
MA 20	20
MA 50	50	-
MA 100	100	-	-
MA 200	200	-	-	-

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Shows the moving average of the selected period.

There are four types of indicators:

Trend indicators
Momentum indicators
Volatility indicators
Volume indicators

There are various kinds of moving averages:

Simple moving average (SMA);
Exponential moving average (EMA);
Smoothed moving average (SMMA);
Linear weighted moving average (LWMA).

The moving average looks at a certain period of time and it calculates the price average. The various types of averages are using various formulas. Don’t worry, you don’t have to memorize any formula. All moving averages are calculated automatically by basically every charting software you use. But it’s good to know how moving averages are actually calculated.

Simple moving average

SMA is calculated by summing up the price closures of the selected period. The price is then divided by the selected period. For example, when using the 21 day moving average you sum up all the closing prices for each day and divide that by 21. The result is a line on the chart representing the average. Because it’s an average in the selected timeframe, the trend is always lagging. An moving average looks like this on the chart:

Source: Tradingview.com

In this case, the blue line represents a 21 day moving average. Because the average is based on results from the past, the indicator will always lag behind. For example, when price would suddenly go up, the moving average won't immediately follow.

All other moving averages discussed below look the same on the chart. The only difference is that the line will move in different directions based on the maths behind the used indicators and the amount of days used to determine the average.

Exponential moving average

The EMA gives more weight to the latest closing prices by giving them more value in the equation. EMA is calculated by adding a certain percentage to the latest closing prices:

EMA = (CLOSE (i) * P) + (EMA (i - 1) * (1 - P))

Where:

CLOSE (i) = current period close price.
EMA (i - 1) = value of the Moving Average of a preceding period.
P = the percentage of using the price value.

Smoothed moving average

A smoothed moving average is an exponential moving average with a long lookback period. Older prices are reduced in weight but are never left out in the calculation. Unlike SMA and EMA where prices are removed when they are beyond the selected period. SMMA is a combination of the SMA and EMA. The main advantage is that it smooths out fluctuations in price.

Linear weighted moving average

The LWMA gives the latest price the highest weight and then lineary scales down with each price before that. The result is that the LWMA reacts quicker to changes in price than the SMA or EMA. The formula:

LWMA = ((Pn∗W1)+(Pn−1∗W2)+(Pn−2∗W3)...) / ∑W

Where:

P = Price for the period.
n = The most recent period, n-1 is the prior period, and n-2 is two periods prior.
W = The assigned weight to each period, with the highest weight going first and then descending linearly based on the number of periods being used.

Moving averages are widely used by many traders. Which moving average you need depends on your trading strategy. Common practise is using a combination of multiple periods. For example, the EMA21, EMA50, EMA100 and EMA200. How does that look on a chart:

Source: Tradingview.com

The lowest (purple) line on the chart represents the EMA200 then following up the EMA100, EMA50 and EMA21.

You can use moving averages to determine a trend. The 200 moving average is mostly used as a baseline for determining the current trend:

When the 200 moving average is moving up it is considered a bullish trend.
When the 200 moving average is down it is considered a bearish trend.
When moving averages are flatlined, there is no clear trend so you should look for market structure, consolidation or trend reversals. Depending on how you want to trade.

This is not set in stone. Most trading strategies use multiple moving averages each with different settings. While one strategy might use the EMA20, the other uses the SMA21. There can be hundreds of different variations. Moving averages can also be used as support and resistance. More often than not, prices will bounce on moving averages.

ESSA Bancorp Inc Daily Moving Averages Chart

2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

MACD is a lagging momentum indicator.
Uses two moving averages.
Can show buy or sell signals based on momentum.
Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of ESSA Bancorp Inc. The current macd is -0.29526812.

The long score for the Moving Average Convergence/Divergence (MACD) is 0/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -4/(-4 +4).

MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the ESSA Bancorp Inc price going down in the near term. -2
MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for ESSA Bancorp Inc. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the ESSA Bancorp Inc price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1

ESSA Bancorp Inc Daily Moving Average Convergence/Divergence (MACD) Chart

2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.

Score

Let's take a look at the Directional Movement Index (DMI) of ESSA Bancorp Inc. The current adx is 18.50.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -2/(-7 +7).

PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell ESSA Bancorp Inc shares, leading to potential downward momentum in its price. -1
PLUS_ID < MINUS_DI && ADX < 25 && ADX trending up: The ADX is below 25 and indicates a weak or no trend. However, the ADX is rising and a new bearish trend could be forming. -1

ESSA Bancorp Inc Daily Directional Movement Index (DMI) Chart

2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

Parabolic SAR (stop and reverse) is a lagging trend indicator.
Shows the current trend.
Shows potential entry signals.
Shows potential exit signals.
Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of ESSA Bancorp Inc. The current sar is 17.58.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1

ESSA Bancorp Inc Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

Leading momentum indicator, meaning the signals are instant.
Ranges between 0 and 100.
Above 70 is considered overbought.
Below 30 is considered oversold.
Above or below 50 can also be used to determine price trend or support and resistance.
RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of ESSA Bancorp Inc. The current rsi is 44.34. The current phase is Continuation in bear market.

The long score for the Relative Strength Index (RSI) is 1/13.
The longshort score for the Relative Strength Index (RSI) is -2/(-13 +13).

Continuation in bear market: Downtrend continues after a consolidation or pullback. Hold or add to short positions.
Trending up: The RSI is trending up. +1

Measures the speed and change of price movements.

There are four types of indicators:

Trend indicators
Momentum indicators
Volatility indicators
Volume indicators

The RSI measures the magnitude of recent price changes to determine if the asset is overbought or oversold.

Overbought (RSI above 70) means that the trading price is above its intrinsic value. This might indicate a sell or short signal.
Oversold (RSI below 30) means that the trading price is below its intrinsic value. This might indicate a buy or long signal.
RSI levels above or below 50 can also be used to determine a trend.
RSI divergence looks at a deviation between RSI and price movement.
Can be used in many different ways.

Original usage

Keep in mind that almost every indicator can be used in different ways. Even beyond the orginal settings. The relative strength index was developed by J. Welles Wilder. Wilder recommended a smoothing period of 14 days. That means a 14 day moving average (read more about this setting below). Another quote from the wikipedia page:

Wilders also considers the RSI 50 line as both support and resistance. I recommend to always read the original settings first before using an indicator. Many traders and websites are using their own version of the indicator which might be confusing.

How you can use RSI (Divergence)

First and foremost, there is no real right or wrong usage of the RSI indicator. You can use it in any way you want. Wilder recommends using a 14 day average but you can make it 50 or 100 if you like. Just keep in mind that using an indicator is just part of a larger trading plan. In other words, it’s not recommended to do any trading or investing based on a single indicator like the RSI.

The RSI is measured on a scale between 0 and 100. From 30 till 0 is considered oversold. and from 70 -100 is overbought. The RSI is a leading indicator, meaning the signals are instant.

I like to use the RSI as a trend\momentum indicator and not as an overbought or oversold indicator. I use the middle (50) as the baseline. When prices go above RSI 50 the trend is bullish and can indicate long positions. When below 50 it is considered bearish and can indicate short positions. Other traders use the 70 and 30 levels as overbought/oversold depending on the used strategy. The RSI indicator looks like this:

Source: Tradingview.com

The general concensus is that an RSI above 70 indicates that the security is overbought. In other words, the price this security is trading for is to high and should come down. So if RSI hits 70 or above this might indicate a sell signal or taking a short position (expecting the price will go down). Although RSI above 70 indicates the security is trading above it's fair value, that does not mean the price will go down.

Use tradingview to add indicators

I highly recommend using tradingview to add indicators to a chart. It has all the indicators you can think off and can add them for free (up to three indicators) to any chart you want. You can see that the levels 30 and 70 are marked with a dotted line. If you want you can remove these lines or give it another colour using Tradingview. You can also adjust the moving average used. You can also find RSI indicators made by the community that include other settings like RSI divergences.

Tradingview

Use Tradingview to (back)test your strategies and add hundreds of indicators created by the community.

View tool on Tradingview.com

RSI divergence

RSI is not only used to determine momentum but can also spot reversals or continuations of the trend. A reversal means that the trend is going in the opposite direction. From bullish to bearish or from bearish to bullish. These reversals can be spotted by looking at the price and the direction of the RSI. When the price is going up but the RSI is going down that means there is a divergence. This is also the case when RSI goes up but price is going down.

There are four types of divergences:

Regular bullish divergence
Regular bearish divergence
Hidden bullish divergence
Hidden bearish divergence

Regular bullish divergence

With a regular bullish divergence, the price is making lower highs but the oscillator (in this case the RSI) is making higher lows. A regular bullish divergence might indicate the end of the current trend. You’ll see regular bullish divergences mostly at the end of a downtrend. But that does not mean that every regular bullish divergence is a trend reversal.

Price is making lower highs
RSI is making higher lows
Indicating bullish reversal (price might go up)

Source: Tradingview.com

Regular bearish divergence

With a regular bearish divergence the price is making higher highs but the oscillator (in this case the RSI) is making lower highs. This might indicate the end of an uptrend.

Price is making higher highs
RSI is making lower highs
Indicating bearish reversal

Source: Tradingview.com

Hidden bullish divergence

With a hidden bullish divergence, the price is making a higher low while the RSI is making a lower low. This might indicate bullish trend continuation.

Price is making higher lows
RSI is making lower lows
Indicating bullish continuation

Source: Tradingview.com

As you have noticed, you can have multiple divergences in a row.

Hidden bearish divergence

With a hidden bearish divergence, price is making lower highs but RSI is making higher highs. This might indicate bearish trend continuation.

Price is making lower highs
RSI making higher highs
Indicating bearish continuation

Source: Tradingview.com

You can find many cheatsheets of RSI divergences online. Search for "RSI divergence overview" and you'll find a lot of examples. You can print these to learn the various types of divergences.

ESSA Bancorp Inc Daily Relative Strength Index (RSI) Chart

3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

Leading momentum indicator, meaning the signals are instant.
Used to determine overbought and oversold areas much like the RSI.
Ranges between 0 and 100.
Above 80 is considered overbought.
Below 20 is considered oversold.
Consists of two lines named K and D.
K compares the highest high and lowest low on the selected price range.
The D line is a moving average of the K line.
Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of ESSA Bancorp Inc. The current phase is Continuation in bear market.

The long score for the Stochastic Oscillator is 1/6.
The longshort score for the Stochastic Oscillator is -2/(-6 +6).

STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the ESSA Bancorp Inc price going down in the near term. -2
Trending up: The STOCH %K is trending up. +1

ESSA Bancorp Inc Daily Stochastic Oscillator Chart

3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

Lagging or leading Momentum indicator
When the CCI is above zero, the price is above the historical average
When the CCI is below zero, the price is below the historical average
Used for spotting trends
- If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
- If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of ESSA Bancorp Inc. The current cci is -94.02107828.

ESSA Bancorp Inc Daily Commodity Channel Index (CCI) Chart

3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

Lagging momentum indicator
Ranges between +100 and -100
Considered overbought above +50
Considered oversold below -50
It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of ESSA Bancorp Inc. The current cmo is -12.51590208.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1

ESSA Bancorp Inc Daily Chande Momentum Oscillator (CMO) Chart

3.5 Williams %R

Shows the current price relative to the highest high over the last 14 days.

Lagging momentum indicator
Ranging between 0 and -100
Above -20 is considered overbought
Below -80 is considered oversold
Is prone to give false signals

Score

Let's take a look at the Williams %R of ESSA Bancorp Inc. The current willr is -67.14876033.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that ESSA Bancorp Inc is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.

ESSA Bancorp Inc Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

Lagging volatility indicator
Uses 3 bands: one upper, one lower and one in the middle
Works best when the middle band reflects an intermediate trend (MA20).
When the price is moving closer to the upper band, the market might be overbought
When the price is moving closer to the lower band, the market might be oversold

Score

Let's take a look at the Bollinger Bands of ESSA Bancorp Inc.

ESSA Bancorp Inc Daily Bollinger Bands Chart

4.2 Average True Range (ATR)

Measures market volatility

Leading volatility indicator
Can be used to determine stop-loss positions
Calculated by:
- Current high minus the current low
- Current high minus the previous close
- Current low minus the previous close
The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of ESSA Bancorp Inc. The current atr is 0.61289483.

ESSA Bancorp Inc Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

Measures market volatility

Leading momentum indicator
Calculation:
- If the closing price is above the previous closing price: OBV = previous OBV + current volume
- If the closing price is below the previous closing price: OBV = previous OBV - current volume
- If the closing price is the same as the previous closing price than the OBV is the same.
Can be used to confirm price trends
Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of ESSA Bancorp Inc. The current obv is -119,017.

ESSA Bancorp Inc Daily On-Balance Volume (OBV) Chart

5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

Lagging momentum indicator
Looks like RSI but uses volume as an extra metric (RSI only considers price)
Above 80 is considered overbought
Below 20 is considered oversold
Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of ESSA Bancorp Inc. The current mfi is 46.86.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -1/(-2 +2).

MFI < 50: -1

ESSA Bancorp Inc Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

Type	Notification	Date
Currently no notifications for ESSA Bancorp Inc.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

Date	Indicator	Signal
2023-11-27	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
	BB	SHORT ENTRY	LONG CLOSE	Price closed above the lower band.
2023-11-28	MFI	LONG ENTRY	SHORT CLOSE	80 crossover to upside
2023-11-30	MFI	SHORT ENTRY	LONG CLOSE	80 crossover to downside
2023-12-01	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2023-12-04	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
	BB	SHORT ENTRY	LONG CLOSE	Price closed above the lower band.
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2023-12-06	STOCH	LONG EXIT		The %K line crosses below the %D line.
2023-12-07	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
	BB	SHORT ENTRY	LONG CLOSE	Price closed above the lower band.
2023-12-08	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2023-12-11	RSI	SHORT ENTRY	LONG CLOSE	70 crossover to downside
	STOCH	LONG EXIT		The %K line crosses below the %D line.
2023-12-12	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2023-12-13	STOCH	LONG EXIT		The %K line crosses below the %D line.
2023-12-14	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2023-12-15	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
	MFI	LONG ENTRY	SHORT CLOSE	80 crossover to upside
2023-12-18	STOCH	LONG EXIT		The %K line crosses below the %D line.
	MFI	SHORT ENTRY	LONG CLOSE	80 crossover to downside
2023-12-19	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2023-12-21	STOCH	LONG EXIT		The %K line crosses below the %D line.
	MFI	LONG ENTRY	SHORT CLOSE	80 crossover to upside
2023-12-22	MFI	SHORT ENTRY	LONG CLOSE	80 crossover to downside
2023-12-27	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2023-12-29	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-01-02	SAR	SHORT ENTRY	LONG CLOSE	The price broke the SAR to the downside
	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2024-01-03	MACD	SHORT ENTRY	LONG CLOSE	The MACD line crosses below the signal line.
	RSI	SHORT ENTRY	LONG CLOSE	70 crossover to downside
	STOCH	LONG EXIT		The %K line crosses below the %D line.
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-01-05	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-01-09	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-01-10	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
2024-01-11	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-01-12	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
2024-01-16	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
	STOCH	LONG EXIT		The %K line crosses below the %D line.
	BB	LONG ENTRY	SHORT CLOSE	Price closed below the lower band.
2024-01-17	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-01-19	SAR	LONG ENTRY	SHORT CLOSE	The price broke the SAR to the upside.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
2024-01-22	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2024-01-26	MACD	LONG ENTRY	SHORT CLOSE	The MACD line crosses above the signal line.
2024-01-29	MACD	SHORT ENTRY	LONG CLOSE	The MACD line crosses below the signal line.
	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-01-31	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-02-02	SAR	SHORT ENTRY	LONG CLOSE	The price broke the SAR to the downside
	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-02-07	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
	BB	LONG ENTRY	SHORT CLOSE	Price closed below the lower band.
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-02-09	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-02-13	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-02-14	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-02-15	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-02-20	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-02-21	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
2024-02-22	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-02-27	STOCH	LONG EXIT		The %K line crosses below the %D line.
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
2024-02-28	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
2024-02-29	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-03-05	MACD	LONG ENTRY	SHORT CLOSE	The MACD line crosses above the signal line.
	SAR	LONG ENTRY	SHORT CLOSE	The price broke the SAR to the upside.
2024-03-07	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
2024-03-08	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-03-11	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
2024-03-13	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
2024-03-14	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
	SAR	SHORT ENTRY	LONG CLOSE	The price broke the SAR to the downside
	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-03-15	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
	BB	SHORT ENTRY	LONG CLOSE	Price closed above the lower band.
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-03-18	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-03-19	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
2024-03-20	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-03-21	CCI	LONG ENTRY	SHORT CLOSE	100 crossover to upside
	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2024-03-22	SAR	LONG ENTRY	SHORT CLOSE	The price broke the SAR to the upside.
	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-03-25	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
2024-03-26	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
2024-03-27	DMI	LONG ENTRY	SHORT CLOSE	The +DI crossed the -DI to the upside. The trend is reversing to an up trend.
	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-03-28	WILLR	LONG ENTRY	SHORT CLOSE	-20 crossover to upside
2024-04-01	STOCH	LONG EXIT		The %K line crosses below the %D line.
2024-04-02	DMI	SHORT ENTRY	LONG CLOSE	The +DI crossed the -DI to the downside. The trend is reversing to a down trend.
	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
2024-04-03	MACD	SHORT ENTRY	LONG CLOSE	The MACD line crosses below the signal line.
	SAR	SHORT ENTRY	LONG CLOSE	The price broke the SAR to the downside
	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
2024-04-04	STOCH	SHORT EXIT		The %K line crosses above the %D line.
2024-04-10	STOCH	LONG EXIT		The %K line crosses below the %D line.
	CCI	SHORT ENTRY	LONG CLOSE	-100 crossover to downside
	WILLR	SHORT ENTRY	LONG CLOSE	-80 crossover to downside
	BB	LONG ENTRY	SHORT CLOSE	Price closed below the lower band.
	ATR	SHORT ENTRY	LONG CLOSE	Price closed below (close - ATR).
2024-04-12	BB	LONG ENTRY	SHORT CLOSE	Price closed below the lower band.
2024-04-15	STOCH	SHORT EXIT		The %K line crosses above the %D line.
	CMO	LONG ENTRY	SHORT CLOSE	Zero line crossover to upside
	ATR	LONG ENTRY	SHORT CLOSE	Price closed above (close + ATR).
2024-04-16	CMO	SHORT ENTRY	LONG CLOSE	Zero line crossover to downside
2024-04-17	STOCH	LONG EXIT		The %K line crosses below the %D line.

6.3. Candlestick Patterns

ESSA Bancorp Inc Daily Candlestick Chart

Date	Candlestick Pattern

6.4. Technical Score

Let's check the technical score of ESSA Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

Indicator	Condition		Value
Rsi	Greater than	50	44.338
Ma 20	Greater than	Ma 50	17.244
Ma 50	Greater than	Ma 100	17.525
Ma 100	Greater than	Ma 200	18.192
Open	Greater than	Close	16.420
Total			1/5 (20.0%)

Create your own Symbol Scanner

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ESSA Bancorp Inc Buy, Hold or Sell?

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Quick analysis of ESSA Bancorp Inc (30 sec.)

What can you expect buying and holding a share of ESSA Bancorp Inc? (30 sec.)

How much money do you get?

What is your share worth?

+ What do you gain per year?

For what price can you sell your share?

1. Valuation of ESSA Bancorp Inc (5 min.)

$16.67

$21.79

$18.48 - $32.21

$40.27 - $53.99

2. Growth of ESSA Bancorp Inc (5 min.)

Is ESSA Bancorp Inc growing?

How much money is ESSA Bancorp Inc making?

How much money comes from the company's main activities?

3. Financial Health of ESSA Bancorp Inc (5 min.)

4. Comparing to competitors in the Banks - Regional industry (5 min.)

Industry Rankings (Banks - Regional)

What can you expect buying and holding a share of ESSA Bancorp Inc? (5 min.)

What can you expect buying and holding a share of ESSA Bancorp Inc?

Speculation

Investing

How much money are you going to get?

When do you get the money?

How sure are you?

Linear %

Fundamentals of ESSA Bancorp Inc

About ESSA Bancorp Inc

Financial Health

Valuation

1.1. Profitability of ESSA Bancorp Inc.

1.1. Profitability

1.1.1. Net Profit Margin

Trends

Compared to industry (Banks - Regional)

1.1.2. Return on Assets

Trends

Compared to industry (Banks - Regional)

1.1.3. Return on Equity

Trends

Compared to industry (Banks - Regional)

1.2. Operating Efficiency of ESSA Bancorp Inc.

1.2. Operating Efficiency

1.2.1. Operating Margin

Trends

1.2.2. Operating Ratio

Trends

1.3. Liquidity of ESSA Bancorp Inc.

1.3. Liquidity

1.3.1. Current Ratio

Trends

Compared to industry (Banks - Regional)

1.3.2. Quick Ratio

Trends

1.4. Solvency of ESSA Bancorp Inc.

1.3. Liquidity

1.4.1. Debt to Asset Ratio

Trends

Compared to industry (Banks - Regional)

1.4.2. Debt to Equity Ratio

Trends

Compared to industry (Banks - Regional)

2. Market Valuation of ESSA Bancorp Inc

2.1. Earnings Per Share

2.1. Price to Earnings Ratio

Trends

Compared to industry (Banks - Regional)

ESSA Bancorp Inc
Buy, Hold or Sell?